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… though banks realized they had a problem, and they started innovating. Of course initially building their own … Springs, and back to the future for payments. I'm going to start the conversation with the present day payments. You … banking side is you've seen, a very different population start adopting digital. A population across the board up and …

… More than a quarter of cash users say they have even started to decrease paying for things in hard currency, … making things gray like, GSE HST and that kind of stuff. Starts to sound a little bit like it's designed to skirt … bucks Where are you seeing innovation that's helping to start to close that gap and chase down that 6% and round …

… be here, Cyri. Thanks. Cyrielle Chiron: Great. I'd like to start this off by talking about Payments Canada's vision for … in the ecosystem. Cyrielle Chiron: Anne, I'd like to start with you. And maybe you can explain to us a little bit … being open and risk-based at the same time. So maybe I'll start with, what's the source of this? Why do we talk about …

… story around the world. Here in Canada, since the pandemic started, our study found that 60% of Canadians are using … we still get paper receipts, but the US, we've barely started using chip. I don't have any contactless cards, nor … we're noticing in terms of the segments is, and when we start to look at faster payment systems, is that originally …

… which could revolutionize how Canadians pay, it should start talking before it’s too late. Authors    Shaun Byck As …

… I'm hearing everything and anything here. So, maybe we'll start with you, Joni, and you can help me answer this … more classically way. They've grown up because they've started to fill a need. And that's great. The other side of … concerned about, again, over a long period of time. But starting from the same root, which is, we are growing some …

… Dempsey: So now let's get right into questions. And I'll start with you first, Liz. And this is a big question. What … you have to go all the way back to the beginning. So you start with ISO 20022 as a standard, it's a data standard ISO … showing interest in providing their support? Liz, let's start with you. Elizabeth Leather: Yeah, so if you think …

… and how they fit into the payment ecosystem? So Cyri, we'll start with you. Cyrielle Chiron: Sure. So as you mentioned, … is concerned. Lisa Sattler: Thank you, Nick. So let's start with you Nick, with a broad question. Why are payments … on the importance of payments? Cyrielle Chiron: Where do I start? That's a very broad question, but I think Nick, you …

… Great. Let's get right into questions, and I'm going to start with this. So this is a big report with a lot of … of Canadians were less concerned about COVID-19 since the start of the pandemic than ever before, and this sentiment … at places that didn't accept contactless payments since the start of the pandemic; so 17 per cent in 2023 compared to 38 …

… around the world in payments and also as we collaborate and start to facilitate things like instant cross-border, so … enough, I was part of the Faster Payments rollout team in 2006 delivered 2008 in the UK and I’ve been involved in a lot … the payment journey? Let's go in reverse order, and Ramesh start with you Ramesh Siromani: Great question. And it's …