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… where they are based on regulatory mandate. Essentially the government said, "Oh, thou shalt use ISO 20022." In other …

… of people seem to refer to us by. We are an agency of the government of Canada, and our mandate is to protect … All of us in the financial ecosystem, which includes governments, regulators, such as ourselves, financial …

… is people exploring how can be used in other contexts, government payments or business payments. So I think that as …

… have been calls for more regulatory intervention by the government, as well as action on the part of BNPL providers …