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… So now let's get right into questions. And I'll start with you first, Liz. And this is a big question. What is the … 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 … on newer versions now of these different payment messages with all sorts of different choices of data compared to back …

… at the Bank of Canada. Abraham Tachjian, Open Banking Lead with the Department of Finance Canada. And Tracey Black, … the most important issues in Canada's payment landscape. With forthcoming systems like the Real-Time Rail offering … engaging conversation. But before we dive in, let's start with introductions. So, Hanna, I'll start with you. Hanna …

… talk around the world title, but the real work gets done with Interac and Payments Canada where I lead our work … S, the clearing and settlement engine. We're going to work with Matt Charette's team to define the security controls … the testing plan for the program and we'll work, frankly, with all of us here to put in the operations structure …

… to know and more about payment rules in North America. With me today to tackle this topic are Debbie Bar, the … so good that nobody knows they exist? Debbie, let's start with you. Debbie Barr: Thanks, Liz. Well, with anything, if it works well, you don't think about how …

… to provide them. This pace of innovation and change within the payment ecosystem has not slowed since the early … to Payments Canada's membership eligibility were expanded within the Canadian Payments Act , which is the legislation … they fit into the payment ecosystem? So Cyri, we'll start with you. Cyrielle Chiron: Sure. So as you mentioned, I am …

… our payment systems and data travels more seamlessly with each payment, we'll gain more insight into consumer … at your respective organizations? And Supriya, I'll start with you. Supriya Syal: Well, I'll say hello again, Liz and … really excited to dive into these a little bit deeper today with you, Supriya. It's some pretty shocking results that …

… to dominate payments for consumers in Canada, especially with functionalities such Tap-and-Go, allowing for a quick …

… industry, and we were very involved in different ways with the chip implementation and, as everyone knows, it was … firm and as it turned out in 2011, I had an engagement with Interac to develop their strategy for contactless … And so I asked, I didn't even ask, John became my mentor without even me having to ask him to. And it came at a very …