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… thought your first 30 days were going to look like and how actually were are quite different. Can you briefly share … major decision as CEO was to close the office. So it was actually one of the easier things that we've had to think … our High-Value Payment System, through all our systems, actually. At the end of the day, we're settling very, very …

… what are the key highlights of that report? Let's see if actually we see the same in Canada or not. Kate Frankish:  … and why it's important. This was done at the end of 2019, actually. We've been looking at trends for quite some time. … started this work and we want it to look globally because actually, we've talked about this, a number of times what's …

… to survive and thrive. Shopify validated this fact in May actually when they announced a spike in uptake in their … have struggled due to the impact of the pandemic, or they actually have created new channels to thrive, my two guests … how this so-called new normal will advance and maybe actually expedite payments modernization in Canada. I'm …

… Payments Canada a few years back, and back then it was actually a few people who had a vision and we knew what we … institutions, fintech players. So I think now it's actually a large movement. We anticipate that we are now moving into execution. There'll be actually thousands of people across the financial ecosystem …

… but we kind of need to let go. And a lot of our systems are actually focused in and around technology that was prevalent … whether it is ATMs or whether it is smart cards or if you actually Google “cloud payments tokenization in the world”, it was actually the patent, I'm proud to say RBC was involved, but …

… on what it is we're trying to address, but I want to actually talk about who we collaborate with. And that is actually very, very important in the rigor that I was … for voting to our voting membership, and that's who would actually approve those proposed changes. So that's really …

… accelerated digital payments, to the point where 2025 is actually happening now. How would you describe today's … Chiron: Yeah, that's good. And that's a good context actually. Better understanding, and I agree with you. … institutions, and then for new and emerging players as well actually. Michael Abbott: Oh Cyrielle, those are like loaded …