Well, I agree with you completely there, Mike, and with apps in particular—if I haven't got a pair of these with me, then I may as well not have an app at all.

I have to say, it’s almost six years, actually, since I did a short debate on a very similar issue, and at the end of this, I really would like to hear from the Deputy Minister what she thinks has changed, particularly on that first ask from Rhun ap Iorwerth about what our Government can do within its powers to mitigate decisions by some large organisations to stop communicating with customers by post, or, as Mike alluded to, actually charging customers for the privilege of receiving mail.

Receiving your bills, statements and necessary information, basically, via the mail, allowing paper applications for various services rather than using the web—. Of course, this may be a matter of simple preference for some people, but for a surprisingly large number of people it's no choice at all, and for that they should not be penalised. It's the position of the 'Keep Me Posted' campaign—it's a UK-wide campaign—which has been working to highlight this discrimination since August 2013. And, actually, I'd just like to place on record my thanks to them for keeping me updated on this issue.

Since 2013, the number of adults in the UK with no access to the internet has actually fallen from 9 million people to just over 5 million people and, in Wales, apparently, almost 90 per cent of adults now say they have used the internet over the course of the year. Of course, that doesn't mean they have their own computer, but it looks like a surge, doesn't it? Suddenly it looks like we're a virtually, computer savvy nation. I do wonder how much of that survey was done on the internet, because the number of adults in the UK who admit to not having enough knowledge of the internet to use it confidently—a different question—remains at a very stubborn 16 million. So, even though more people are going on the internet, it doesn't mean that they're feeling very safe using it. The fact that that figure has not changed in six years speaks volumes, I think.

The Office for National Statistics says that more older people are using the internet. Perhaps that's because a number of us have moved from one statistical age category to another, taking our youthful skills with us. Yet the number of over-75s who use the internet has hardly changed at all, and, if my own family experience is anything to go by, dementia can quickly rob you of any IT skills you did have, even in its early stages.

Only this week, I spoke to representatives of Lloyds Bank, which is closing its branch in Mumbles in May—yes, one of the many, Rhun. Sixty per cent of their customers are over 55. That's quite a high amount. A lot of them will be eligible for a free bus pass to get to the branch in the city centre, and of course they've got to go online to get those bus passes. So, some of them, yes, have caved in and they've gone for internet banking, but 22 per cent—that's almost a quarter—of all that branch's customers are over 75. So, these are the people who are targeted by scammers. And, of course, banks don't tend to use e-mail for their customers, but you try telling that to a much older person who's either new to online banking or losing their computer savvy. Two per cent of fraud in this country takes place via the post; 70 per cent of it takes place online. So, we're not just talking about a service for those who have no option but to use paper, but we are talking about those who are safe and confident to use online services. I genuinely think that, for some people, trusting the postman is still far preferable to trusting your password.

Even when people have internet access, they may prefer paper—I'm one of them, actually. Between 39 per cent and 42 per cent of people admit that they often forget to check their statements online, find it easier to keep track of their finances if they have stuff in print, and fear missing payments if they rely solely on online information. So, people have higher levels of debt if they conduct their financial affairs solely online.

Due diligence rules mean that people are experiencing difficulties proving their identity. Some financial institutions and even Government departments insist on original statements. Well, sometimes you don't have an original statement. We'll also have problems with a lack of a paper trail if you're exercising a power of attorney or identifying the assets in the estate of a deceased—and I've got personal experience of this. No password? No access. You may not even know these accounts exist.

One final consideration, and this is for small businesses: even if they have good broadband—and you mentioned this, actually, Mike—if they're conducting their financial affairs online, they may still be employing people with support needs, and sometimes that kit still doesn't mean that people feel confident using the internet.

In Canada, just to finish, telecom firms must exempt the over-65s, disabled people and those without a home broadband connection from being denied postal communication. The French can insist upon free paper bills. In Spain, they can receive all their bills through the post at no cost, unless they're specifically requested by e-mail, and no charge is imposed for those who already receive or switch to paper billing.

I appreciate that not all the levers sit here, but the Assembly—I just want to finish with this, Dirprwy Lywydd—is proud of its rights-based laws and the Government has introduced its economic contract with social purpose at its core. So, how about making the preference for paper part of that contract? Thank you.