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… payments at the point of sale, also known as pay-by-bank. It lets consumers pay merchants directly from their bank account rather than relying on payment cards or digital … in Canada, including banks and fintechs. So for example, RBC, Wise, KOHO and Wealthsimple. Virtual payment carts …

… and Affirm. However, other financial institutions like banks are entering the market, for example, CIBC, which … the Pace It feature on its credit cards in 2019; Scotiabank with its SelectPay program, which works similarly to Pace It; and PayPlan by RBC, which offers consumers a pay-over-time option for …

… Clement, Advisor, Payments Systems at the European Central Bank; Richard Dzina (pronounced Zina), Senior Vice-President … Southgate, Senior Manager, RTGS Renewal Programme at the Bank of England, and Mike Hoganson, Director of … Jean Clement, Advisor, Payments Systems, European Central Bank  Richard Dzina, SVP, The Clearing House James …