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… those descriptors are, and how we present them to others in order to perform a transaction. Cyrielle Chiron: Right, so … do have a reliance on each other. So that foundation of in order to make a payment, you have to be able to identify the … be making that payment to, reliably. Joni Brennan: And in order to issue an invoice, or whether that's making a …

… the ins and outs of using BNPL is important in order for consumers and merchants to effectively manage …

… to buy anything. Or if I like something, I'll go home and order it online. Very rarely will I subject myself to a 20 … be just a customer of TD bank or just a customer of RBC in order to benefit from that one page view. Sue: Yeah. And …

… will drive up to your home with all the stuff that you've ordered and just deliver it. You won't even be in the store. … you're going to see the cost of market research multiply by orders of magnitude. Because we're suckers now. We're just …

… essential to spurring competition and safe innovation. In order to broaden access to Canada's payment systems, … that we really want for our clients. So we knew that in order to realise the vision that we want, we needed to … know, hopefully that is, is part of RTR and, uh, and cross-border payments specifically, it's, you know, we're here …

… included, there'd have to be a change in the back act in order for banks to be allowed to offer these accounts to the … this week, in fact. It addresses the issues of cross-border payments, remittances, and interoperability. There's a … could be helpful for helping interoperability for cross-border payments or possibly remittances, but it really …

… Well, why don't we start with Jeff, we'll go back the other order. Jeff Henderson: Sure. Well we start team Canada. …

… around the topic. And just to get feedback on that issue in order to help us make a decision depending on what it is …

… to have strong business continuity practices in place in order to adapt in a deliberate and decisive manner. Cyrielle …

… and can all retailers spent so much investment in order to make sure that they build resilience during such …