CJI: But there is a fourth consideration - the need of transperancy. And there is a fifth consideration that this should not become a legitimisation of kickbacks and quid pro quo between the power centres and people who are benefactors of that power.

CJI: It's not that there is an either or- that either you do this or go back entirely to cash. You can design another system which doesn't have the flaws of this system- they put a premium on opacity.