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… Canada. Innovation and collaboration in a digital world with the customer in the centre were key themes, along with resilience and the security of Canada's payment systems … embedded finance, so you can do anything, anywhere with mobile payments now and it becomes far more integrated …

… easy. So let's jump right into the questions. I'll start with a quick overview question: What amendments did Payments … Canada, was established in the early 1980s. So along with our governance, our mandate, it also sets out who's … up a whole new world of instant payments. So why now? Well, with our journey to modernize our payment systems, there has …

… it's always such a pleasure to talk about payment data with you.  Stephen Yun: Thanks for having me, Liz. Looking … Let's get right into questions, and I'm going to start with this. So this is a big report with a lot of really interesting research behind it. Were …

… :     … Transcript of the recording Cyrielle Chiron: With 80% of sales coming from in-store purchases in 2019, … ecosystems. XTM's goal is to disrupt traditional banking with a white labeled mobile wallet, branded visa and … her to guide other organizations and provide Canadians with the best possible payments experience. Cyrielle Chiron: …