The PayPod

The launch of the Real-Time Rail (RTR) is on the horizon. The use cases are well known. We know how settlement and funding works. But the question remains, how will consumers or businesses initiate a payment transaction that rides on this new rail?  What will the user experience layer look like? What is possible? The answer is overlay services!  This conversation explores the commercialization of overlay services that will provide real-time payment capabilities to end users; built around such highly anticipated functionality as QR codes and request-for-payment messages. 
Examine the business opportunities and the risks associated with these capabilities and how they have been addressed by other regions where there has been explosive growth in A2A. Industry leaders will discuss how Canadian institutions can differentiate beyond the rail by targeting business use cases and developing new revenue-generating real-time payment services.
Speakers:
Michael Liberty, Vice-President, Global Money Operations at CIBC
Abraham Tachjian, Chief Regulatory Affairs Officer at Brim Financial
Moderator: David Hooper, Vice-President, Banking & Payments at CGI

About The PayPod
The PayPod is Payments Canada’s multi-episode podcast that explores the trends and topics influencing payments in Canada and around the world.

In each episode, leading experts and respected thought leaders discuss the changing payment landscape, the needs of Canadians and the future of modern payments.

Connect with Payments Canada
Visit our website: Explore payment research, news system updates and insights at payments.ca.
Join the conversation: Follow Payments Canada and The SUMMIT, Canada’s annual premier payment event on LinkedIn. 
Subscribe: Never miss an episode by subscribing to The PayPod on your Apple Podcasts and Spotify.

Canada’s payment landscape is rapidly transforming, offering a growing range of participation options for emerging players. This conversation explores how organizations can effectively navigate the ecosystem to power their growth and examines the key money transfer systems available today, including prepaid cards, Visa Direct, Mastercard Send, Interac e-Transfer and the upcoming Real-Time Rail. 
Learn about the operational, regulatory and strategic implications of each approach and how making informed decisions drive innovation, reduce costs and expand choice for Canadian consumers and businesses.
Moderator: 
Olivia Tang, SVP of Legal, People's Group
Panelists:
Rohitash Hural, Associate Vice President of Strategic Accounts at People's Group
Kartik Kamat, Vice President, Product Management at Mastercard
Josh Rowat, Banking and Expansion Manager for North America at Wise
Alena Scotchmer, Partner at Gowling WLG.

About The PayPod
The PayPod is Payments Canada’s multi-episode podcast that explores the trends and topics influencing payments in Canada and around the world.

In each episode, leading experts and respected thought leaders discuss the changing payment landscape, the needs of Canadians and the future of modern payments.

Connect with Payments Canada
Visit our website: Explore payment research, news system updates and insights at payments.ca.
Join the conversation: Follow Payments Canada and The SUMMIT, Canada’s annual premier payment event on LinkedIn. 
Subscribe: Never miss an episode by subscribing to The PayPod on your Apple Podcasts and Spotify.

Canada is flipping the switch on 24/7 banking, but the real challenge isn’t the tech—it’s the strategy. When the "9-to-5" window closes for good, how does your institution stay ahead? 
This expert panel moves past discussions of technical details to talk about what actually matters in a world of real-time payments: market implications, product strategy, keeping money moving and staying competitive in a world that never hits pause. 
Guests: 
Jude Leclerc, Senior Vice President, Transaction Banking, Commercial Banking, CIBC
Dougal Middleton, Head of Canada Payments & Treasury Services, Payments, J.P. Morgan Payments
Steve Miller, VP, Cash Management, Royal Bank of Canada
Todd Roberts, Senior Partner, Market Infrastructure & Payments Leader, Deloitte Canada
Moderator: 
J.D. Penner, VP, Wholesale Banking & Payments Practice Lead, Intellect Design Arena

About The PayPod
The PayPod is Payments Canada’s multi-episode podcast that explores the trends and topics influencing payments in Canada and around the world.

In each episode, leading experts and respected thought leaders discuss the changing payment landscape, the needs of Canadians and the future of modern payments.

Connect with Payments Canada
Visit our website: Explore payment research, news system updates and insights at payments.ca.
Join the conversation: Follow Payments Canada and The SUMMIT, Canada’s annual premier payment event on LinkedIn. 
Subscribe: Never miss an episode by subscribing to The PayPod on your Apple Podcasts and Spotify.

What happens when your favourite ride-sharing, shopping or accounting app starts offering a debit card, credit line or instant payment feature? Welcome to the era of banking in disguise - where financial services are no longer delivered by “banks,” but by the apps Canadians already use every day. The rise of embedded finance is redefining who controls the customer relationship in banking. Retailers, tech platforms and service providers are embedding payments, credit and savings products seamlessly into their experiences, blurring the line between commerce and banking. 
This panel brings together innovators from fintechs, sponsor banks and payment platforms to unpack how this trend is reshaping Canada’s financial landscape. We’ll explore the infrastructure powering embedded finance, the regulatory implications of “invisible banking” and the new economics of partnerships that allow non-banks to become financial service providers. As the boundaries of banking dissolve, one question emerges: who really owns the future of money: the bank, the brand or the app? 
SPEAKERS: 
Shirley Hsu, GM, Payments, FreshBooks
Timothy Morris, Chief Banking Officer, Neo Financial
Rojin Nair, Chief Strategy & Growth Officer, VoPay International Inc.
Daljit Singh, Head, B2B Payments & Partnerships, EQ Bank
MODERATOR:
Dina Vardouniotis, CEO, Payments and Partnerships

About The PayPod
The PayPod is Payments Canada’s multi-episode podcast that explores the trends and topics influencing payments in Canada and around the world.

In each episode, leading experts and respected thought leaders discuss the changing payment landscape, the needs of Canadians and the future of modern payments.

Connect with Payments Canada
Visit our website: Explore payment research, news system updates and insights at payments.ca.
Join the conversation: Follow Payments Canada and The SUMMIT, Canada’s annual premier payment event on LinkedIn. 
Subscribe: Never miss an episode by subscribing to The PayPod on your Apple Podcasts and Spotify.

This episode is an important conversation around financial crime prevention in a rapidly evolving landscape. Experts from Feedzai and top financial institutions explore the paradigm shift toward unified decisioning, emphasizing advanced fraud controls and the deployment of actionable risk intelligence. 
Panelists  examine the role of industry collaboration and trust in combating fraud effectively, particularly at the point of account opening. The discussion also addresses future-facing topics and emerging risks, including the security and regulatory implications of stablecoin transactions and the challenges and opportunities presented by open banking.
Speakers: 
Elizabeth Tripp, Director, Fraud Management, CIBC
Aaron McAllister, VP Fraud Threat Management, Scotiabank
Geoff Morton, VP Fraud Management, Royal Bank of Canada
Moderator:
Jas Anand, Value Engineering & Sales Enablement Lead, Feedzai (at the time of recording)

About The PayPod
The PayPod is Payments Canada’s multi-episode podcast that explores the trends and topics influencing payments in Canada and around the world.

In each episode, leading experts and respected thought leaders discuss the changing payment landscape, the needs of Canadians and the future of modern payments.

Connect with Payments Canada
Visit our website: Explore payment research, news system updates and insights at payments.ca.
Join the conversation: Follow Payments Canada and The SUMMIT, Canada’s annual premier payment event on LinkedIn. 
Subscribe: Never miss an episode by subscribing to The PayPod on your Apple Podcasts and Spotify.