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… ahead, things that have to be solved like open banking and rules, regulations and RTR infrastructure being in there, … head our cards and payment businesses at RBC and also look after transformation for the retail and commercial bank. In … the customer need a lot more than we did. And then going after it, like you're doing for team Canada in RTR, it …

… our high value payment system here in Canada, their scheme rules and application design. So when we went live, and I'm … to make them fit for purpose for the length scheme, rules and application to design and something that comes to …

… of California , have recently announced new data privacy rules similar to the GDPR. However, there is no …

… instant payment system creates a lot of opportunities for rules and features and functionalities as the previous … was coming together, they helped us a lot as we tried to draft initial set of regulations. Those just recently came out … our peers. Look, some of you may be aware that the U.S. after many years of what's typically termed as an …

… Payments Canada released a statement around the RTR. After an extensive replanning and risk mitigation period, we … Mike, what does it mean to you and IBM? Mike Cook: After our Canadian, Jeff and his Canadian point, … with a high degree of resiliency? How do we change the rules and the regulations and the acts for greater inclusion …

… But as we both acknowledged, it's where does it go after that is the big concern for small firms and I've got … Governments have stepped in and provided I think some rules of the game for the industry, more than they have in …

… Exactly. Well, at least if it detects you can action after, but at least help us detect. I forgot who I was … also a review of the governance and the company that looks after open banking at the moment in the UK. Lots going on, … overlay means we've delivered a set of standards and rules to allow interoperability, but the product delivery …

… can shop, pay, save and more importantly bank. Everyone is after it. Take a look at what Google Plex did in the next … see is, in many cases we see hindsight as 2020. We realize after something has happened, that has happened and …

… infrastructure, including associated systems, by-laws, rules, and standards, Payments Canada is keenly interested … would see the harmonization requirements coming into force after the Swift MT/ISO 20022 co-existence period ends in …

… get into a public place. People are making that their own after they got through the initial curve of this isn't a …