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… cash. In fact, debit card use overtook cash for the first time in recent years. Mobile devices were used by nearly 35 …

… in the Internet of Things space, so I’m spending more time looking at the opportunities there too I wrote in …

… had been a negative impact on their ability to pay bills on time. Beyond the overall reduction in spending, the study …

… and more efficient ways to make payments. My sense is in times like these, it drives home I think our collective need … business services end to end over a sustained period of time. You might ask, how does the operational resilience … What I mean by this is it requires the identification of a timeframe and magnitude of impact that you're prepared to …

… Canada has been investigating digital currencies for some time now. For example, Project Jasper, a joint research … today with the two of you. I don't know if we have enough time, actually, to cover everything, though. I have so many … Central Banks have not seen a good reason to do this. But times are changing. Cyrielle Chiron: It's good to have your …

… with checks because that's easier for me to track at tax time. So I do think that there's a certain life stage that … Very true. I would actually just validate both points. Anytime that I've spoken to clients or even my peers/ I have a … my checking account, my savings account, when's the last time I paid them? What did I pay them? I've got all that …

… very public about the need for this change for quite some time, and it's amazing to see all of our hard work pay off. … legislation haven't changed in over 20 years. Since that time, payments have evolved significantly. We need to expand … also working on an entirely new payment system, the Real-Time Rail (RTR), which will exchange, clear and settle …

… exists for both businesses and the individual, there is no time like the present to get informed. I'm your host … much. Cyrielle Chiron: So I'm really pleased to spend some time with the two of you, actually, and understand more … those emotions, you can't necessarily control them all the time. Especially during times where it is a crisis like …

… no longer a differentiator, and consumers are spending more time on non-banking app marketplaces, and platforms that are … for Visa and MasterCard. And there are big differences this time around. Technology has changed everything. We no longer … and payments are quietly converging. Just imagine if every time you pulled out your debit card, your balance was …