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… important than ever before for businesses to keep pace. However, Canadian business, both small and large, are still … innovation coming to the payments industry in Canada. For a long time, the payments industry has been largely protected … and then a paper check sent back in return, that really does exempt you, help you when you're finding your expenses …

… top priorities. To further our discussion on risk and how Payments ecosystem is responding to new risk brought by … ourselves. One last thought on resiliency is our planning doesn't just focus on pandemics. We have an all-hazards … going through the usual process, which could take much longer than a day or even a week. Cyrielle Chiron: Yes. …

… recently as a result of the COVID-19 pandemic, the topic of how consumers and businesses expect to pay and get paid, … including cash being eclipsed at an accelerated pace, what does this mean for the payments landscape? And how is the … able to plug and play with their partners and solve that long pole and a 10 of which is the interconnection to the …

… at Payments Canada, our COVID-19 payment trends research showed that for those Canadians who are leaving their homes … businesses and empowering a new era of modern payments. Along with Tracey, we have David Chance, VP of Payments … growth in the volume of non-cash payment. However, cash does have some great benefits in terms of ubiquity and ease …

… payments to apps for tracking spending, our study shows that millennials, and Gen Z want easier, more … to carry whatever. And PayPal is great, but sometimes it doesn't take PayPal, or some say, you always have to have … or Uniclo or any of those stores and the lineups are so long that you almost wonder- Alvin: Is it worth it? Sue: Is …

… experience. What lessons can we learn from the past? How Digital-First is transforming the payment ecosystem, and … 4.8 or higher. It's a [CS sameness 00:02:58]. Digital is no longer a differentiator, and consumers are spending more … app, just be able to text money to people back and forth? Does that experience have to be controlled in one place? Why …

… activity-based oversight, platform innovation, it's long list. And last one, but not least. And this is topical … to us a little bit what is open risk-based access. So what does that mean? Because maybe it's just me, but I would not … then hopefully get to the heart of your question, which is, how do you smash those two things together? So the source of …

… need for increased security is growing. Cyrielle Chiron: However, there is also a necessity for providers to adapt. … herself online, and the other side, which is how does an organization, public or private, consume that … it's something that I'm concerned about, again, over a long period of time. But starting from the same root, which …