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… Since 2001, the payments industry has seen incredible transformation. The growing popularity and convenience of the … services. This includes e-transfers, wires, checks, all forms of payment, supporting our ABM channel and of course … take RTR as an example of developing that system, that platform. Critical from an infrastructure standpoint, but more …

… John Ambrose, a financial services executive, and Tracey's former colleague and mentor. Welcome John. John Ambrose: … enhance our views of where things were going. In 2009, I formed my own consulting firm and as it turned out in 2011, … players, and we don't have barriers of entry from disruptors, new entrants. So some interesting challenges. I'll …