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… actually. If a shop buys some blenders, well then some time after it arrives they get a bill for those blenders, … into an envelope and send it, as opposed to, "Wow, it's time for me to pay for the 10 blenders just arrived," right? … retail shop just paid me for these 10 blenders. It may be time for me to reorder some more," right? Justin Ferrabee: …

… Lee: Thanks for having us. Liz Dempsey: This is the first time we have two Liz’s on the podcast. I'll do my best to … get halts in the payment processing, it stops the payments time, it decreases the speed of the payment messaging. So … that we have domestic priorities as market infrastructures, regional priorities as market infrastructures, but also …

… I might be a little skeptical. So we're going to spend some time on this PayPod cast, exploring the friction-free … payments, today we have a lot of friction and we don't sometimes even see it and it can be a small thing like why the … doesn't matter. It goes to level where businesses have hard time reconciling what their customers are paying them for …

… with checks because that's easier for me to track at tax time. So I do think that there's a certain life stage that … Very true. I would actually just validate both points. Anytime that I've spoken to clients or even my peers/ I have a … my checking account, my savings account, when's the last time I paid them? What did I pay them? I've got all that …

… for your contactless payment was going to also save you time as a shopper and reduce the friction during the … by the pandemic with an overall desire to spend less time in a physical store and have less interaction within a … and neither ends up pushed too far out of their comfort zone. Marilyn Schaffer: Well you know, there's an 80-20 …

… coming to the payments industry in Canada. For a long time, the payments industry has been largely protected and … has been incredibly underserved in Canada and yes, hold times are an issue for those payments, but the record … retention, record keeping requirements I think are sometimes a forgotten issue that affect the way Canadian SMEs …

… Canada has been investigating digital currencies for some time now. For example, Project Jasper, a joint research … today with the two of you. I don't know if we have enough time, actually, to cover everything, though. I have so many … Central Banks have not seen a good reason to do this. But times are changing. Cyrielle Chiron: It's good to have your …

… It really allows the world to run smoothly, most of the time anyway. Cyrielle Chiron:  Let's get right into it. … key thing that we need to look at and we've discussed a few times Cyrielle is, you can't stand still and running our … and to make evidence-based decisions on what we focus our time and effort on. Cyrielle Chiron:  I like the …

… starting to go pretty bananas in the UK at that point in time. So I had a bit of a lead in experience on COVID … because things were moving more quickly in Europe at that time. And so when I arrived back in Canada, the first thing … really knows what's going to happen. It's one day at a time to a certain degree and really looking for facts and …