Agenda

May 14

Breakfast Tuesday 8:00 - Tuesday 10:00

Interactive Zone

Tuesday 8:00 - Tuesday 10:00

Interactive Zone

Refreshments and breakfast will be served in the Interactive Zone

The importance of Startups to a vibrant Canadian economy Tuesday 8:10 - Tuesday 8:25

Startup Stage

Tuesday 8:10 - Tuesday 8:25

Startup Stage

Sue Britton

Startups facilitate economic growth, create jobs and solutions that tackle every day problems consumers and businesses face. They play an important role in driving innovation and competition within the Canadian economy. Find out what the startup landscape looks like in Canada by attending this talk.

The future of payments for small business Tuesday 8:30 - Tuesday 9:30

204

Tuesday 8:30 - Tuesday 9:30

204

Jeremy Altman, Chloé James, Cyrielle Chiron, Randy Johal

How can modern payment methods help increase efficiency for small business owners? From access to real-time funds for payroll to creating lower operation cost, there are clear advantages modern payments can bring. This panel will discuss current trends and how small business can benefit.

Democratizing credit with AI Tuesday 8:30 - Tuesday 9:30

205

Tuesday 8:30 - Tuesday 9:30

205

Stephen Gardiner, David Furlong, Yves-Gabriel Leboeuf

Most people need loans to make life’s biggest purchases – house, education, car and so much more. But not everyone has equal access to lending. Discrimination based on race, ethnicity, sex and/or religion is a huge concern. On the other hand, AI can also be perceived as a threat within the lending market. Will it compromise security? Will it be ethical? Will it be just as biased as humans can be? This conference offers a 360-degree view of the potential and challenges of democratizing credit with AI.

Paving the path to ISO 20022 migration: HVPS Tuesday 8:30 - Tuesday 9:30

200

Tuesday 8:30 - Tuesday 9:30

200

Isabelle Bouille, Mike Hoganson, James Southgate, Frank Van Driessche

This session will provide an overview of the high-value payments work going on globally, with a special focus on the migration from legacy formats to ISO 20022. SWIFT will share their plans on the global migration of MT formats to ISO 20022 and we will also hear from the Federal Reserve, Bank of England and Payments Canada on their respective plans and challenges.

Real-time payments and real-time fraud: Lessons learned from around the globe Tuesday 8:30 - Tuesday 9:30

201

Tuesday 8:30 - Tuesday 9:30

201

Bridget Hall

Real-time payments is now a reality with more than 30 schemes live around the world. However, not every scheme has been successful. A mixed response to real-time payments has led to countless opportunities for customers and businesses in some countries, whereas in other countries, consumers have not fully embraced real-time payments. In addition, as the need for cleared payments in real-time increases, so do the opportunities for fraud to occur. As real-time approaches Canada, ensuring the success of the country’s new real-time rails is essential to ensure such opportunities aren’t passed by. This session will explore the reasons behind the mixed responses to real-time payments around the world as well as potential products and revenue opportunities. In addition, it will cover key environmental changes that banks need to make to ensure they are successful, such as speed of processing, strong resilience, and required back-office functions including exceptions handling and fraud protection.

Not so risky business if you’re prepared: Best practices in risk management Tuesday 8:30 - Tuesday 9:30

206AB

Tuesday 8:30 - Tuesday 9:30

206AB

Sonia Baxendale, Maggie Smith, Roxana Baranowski, Gwen Beauchemin

How do you solve for the unknown? How do you plan for the unplanned? How do you get an organization ready for something that hasn’t happened? Risk management. Hear from industry experts as they discuss the current-state of organizational risk management, how critical a function it is to an organization’s success, and what the future of risk management at the enterprise level, and the talent pool.

Interbank Information Network – Are You IIN? Tuesday 8:30 - Tuesday 9:30

206CD

Tuesday 8:30 - Tuesday 9:30

206CD

John C Hunter

Learn about IIN and how JP Morgan is using blockchain to solve friction in payment processing.

Transition/AM break Tuesday 9:30 - Tuesday 10:00

Interactive Zone

Tuesday 9:30 - Tuesday 10:00

Interactive Zone

2019 Fintech trends Tuesday 9:40 - Tuesday 9:55

Startup Stage

Tuesday 9:40 - Tuesday 9:55

Startup Stage

Peter Misek

Peter will be doing a deep dive on current trends in the fintech market and making predictions on the future of fintech and the startup ecosystem both locally and globally.

Celero’s collaborative digital ecosystem accelerates integration Tuesday 9:40 - Tuesday 9:55

Startup Stage

Tuesday 9:40 - Tuesday 9:55

Startup Stage

Tom Papagiannopoulos

Join Celero to learn how its digital technology and integration services bring together financial institutions and fintechs to seamlessly integrate new solutions and capabilities into their environments, to overcome issues of complexity, security, compliance, speed to market and compatibility. With solutions for banking systems, open APIs, cards and payments, Celero’s collaborative digital ecosystem accelerates the integration of cutting-edge technologies.

Welcome remarks: Gerry Gaetz Tuesday 10:05 - Tuesday 10:15

Main Stage

Tuesday 10:05 - Tuesday 10:15

Main Stage

Gerry Gaetz

What does security look like in a world where everything could be a computer? Tuesday 10:15 - Tuesday 10:25

Main Stage

Tuesday 10:15 - Tuesday 10:25

Main Stage

Bruce Schneier

Join guru Bruce Schneier on the topic of IoT security

An interview with Victor G. Dodig Tuesday 10:25 - Tuesday 10:55

Main Stage

Tuesday 10:25 - Tuesday 10:55

Main Stage

James Bradshaw, Victor G. Dodig

Keynote address: Sir Tim Berners-Lee Tuesday 10:55 - Tuesday 11:30

Main Stage

Tuesday 10:55 - Tuesday 11:30

Main Stage

Tim Berners-Lee

Tuesday 11:25 - Tuesday 1:30

Interactive Zone

Refreshments and lunch will be served in the Interactive Zone

The end of the rip-off: How TransferWise is turning foreign exchange on its head Tuesday 11:30 - Tuesday 11:45

Startup Stage

Tuesday 11:30 - Tuesday 11:45

Startup Stage

Andrew Boyajian

Andrew will speak about the role FinTech's play in improving the payments space, both in Canada and globally. He will use TransferWise's experiences and partnerships (i.e. Bank of England, N27, LHV, BPCE Groupe) as proof points and will touch on why FinTechs in Canada should have direct access to payment systems.

Fighting global poverty with data Tuesday 11:45 - Tuesday 12:15

200

Tuesday 11:45 - Tuesday 12:15

200

Steve Hollingworth

The potential of digital technology and data to end poverty and hunger at a time when new approaches are urgently needed. Today, the smart use of digital data and other related technologies should be made core to every major initiative and successful pilot initiatives should be scaled up to reach millions. At the same time, it is essential to have in place policy frameworks that protect individuals and support social good. Such approaches are rapidly transforming industry after industry around the world. But they have yet to be embraced in the fight against poverty, and that fight is at a pivotal moment. After 25 years of progress, which saw nearly one billion people exit extreme poverty, the global rate of poverty reduction has slowed from about one per cent a year to as low as 0.5 per cent. More alarming, poverty is rising in Africa and now stands at 41 per cent. Meanwhile, global hunger is near a ten-year high, with one out of every nine persons chronically hungry. Critical to helping is understanding. Yet we know surprisingly little about the needs and opportunities of those living in extreme poverty, 70 percent whom are smallholder farmers and their families. Digital data-flows – facilitated by mobile phones, smart programs and powerful partnerships – allow us to understand the individual circumstances, behaviors and motivations of the poor. Opportunities to accelerate the fight against poverty apply not only to agriculture, but also in health, citizen agency and many other key areas for the poor. These can be applied across the landscapes of aid, social investment, government service and humanitarian relief.

Beating the buzz: Building brand awareness that lasts Tuesday 11:45 - Tuesday 12:00

Startup Stage

Tuesday 11:45 - Tuesday 12:00

Startup Stage

Jennifer Tramontana

With $55B invested in fintech in 2018 it receives no shortage of attention. But tech companies are notorious for getting a flash of attention then flaming out. Learn how to avoid the pitfalls of “buzz” and get the secrets to building long term credibility and awareness in the fintech industry.

Innovation in retail payments: What can we learn from Asia? Tuesday 11:45 - Tuesday 12:15

201

Tuesday 11:45 - Tuesday 12:15

201

William Lam

A lot of payment innovations took place in China, Singapore, Japan and Korea in the past 5 – 10 years. Adoption of mobile payment took off at an accelerated pace, especially in China. The WeChat and Alipay ecosystems are growing with more innovative payment technologies that Canadian banks and businesses should pay attention to. What is applicable to the Canadian payment landscape? What are fads vs. real payment innovation?

Modernizing government payments: Bringing digital payments to Canada Tuesday 11:45 - Tuesday 12:15

204

Tuesday 11:45 - Tuesday 12:15

204

Robert Hyde, Kathleen Butler

Governments have traditionally been laggards when it comes to bringing new and innovative form of payments to their constituents. Barriers to modernized payments include cost, the need for richer remittance data and disparate departmental accounting systems. This session will discuss recent successful payment disruption & implementation case studies that overcame these barriers including: the Canada Revenue Agency and the City of Ottawa. Topics discussed will include: ISO2022, public/private partnerships, the impact of faster payments for both constituents and government coffers, and better use of government resources.

The future of financial services: Partnerships to create innovative client experiences Tuesday 12:00 - Tuesday 12:10

Startup Stage

Tuesday 12:00 - Tuesday 12:10

Startup Stage

Phil Griffiths

CIBC understands the importance of working with partners to innovate and works closely with FinTechs, Startups and larger organizations to continuously innovate and enhance client experience. Phil Griffiths, SVP of Enterprise Innovation, and Digital Commercial Banking & Wealth Management at CIBC will showcase how CIBC is working to accelerate innovation within and with the help of partners like you. Phil will share examples of how his team has worked with partners, including their competitors, to create net new services and enhance their existing offerings.

The power of AI in your mobile phone Tuesday 12:00 - Tuesday 12:45

206CD

Tuesday 12:00 - Tuesday 12:45

206CD

Milos Dunjic, Anthony Nguyen

The power of Artificial Intelligence / Machine Learning doesn’t have to be restricted to solutions that require the power of cloud based Graphic Processing Unit (GPU) server farms. Trained Convolutional Neural Network (CNN) model can instead be embedded into an app on a personal device, such as ordinary mobile smartphone. This presentation will introduce the audience to the basics of neural networks, explain why convolutional neural networks are used for object recognition, and will walk you through the required high level steps of training a specific real-time object recognition CNN and embedding it into the demo mobile phone app. The presentation will also include a live demo of the prototype app for digital ‘money counting’, which requires no internet connection and no cloud servers, as all object recognition and classification is done in real-time, 100% locally by the phone CPU and off-line. The perfect example of innovation which is pushing the boundaries of Artificial Intelligence, Machine Learning and Neural Networks to the new level and showing the Art Of Possible.

Payments tokenisation: The path through the minefield Tuesday 12:00 - Tuesday 12:45

206AB

Tuesday 12:00 - Tuesday 12:45

206AB

Mike Vaselenak

Tokenisation of payments will have a profound impact on retail and business to business payments. Tokenisation schemes can fundamentally change the relationships between the networks, issuers, merchants, application providers, payments processors – and the cardholder. Canadian stakeholders in payments recognize this, and are furiously positioning for their roles in this new world. In particular, the card networks have developed payments tokenisation services for their respective card brands. Visa, MasterCard and Interac tokenisation services are not the only (or necessarily the best) option available to merchants, issuers or processors. What are the true business, product, service and strategic risks and opportunities payments tokenisation offers to Canadian stakeholders? And how should Canadian stakeholders respond? This presentation examines payments tokenisation from the perspective of their fit with the business objectives of Canadian merchants, issuers and processors. It provides a critical assessment of the real value, shortcomings and implications of entering into a tokenisation program. Included in the presentation are the results of a statistically valid Canada wide survey on the market for payments tokenisation. As a result of this presentation, attending issuers, merchants and processors will have received an essential guidance and direction for the development of their tokenisation business case and strategy.

All for one: The Canadian payments landscape & financial inclusion in the new digital age Tuesday 12:00 - Tuesday 12:45

205

Tuesday 12:00 - Tuesday 12:45

205

Danny Chazonoff

Canadians have never been as engaged with digital devices as they are in 2019. Do Canadian merchants’ payments offerings reflect this online and mobile shift as well as the diversity of consumers in the country? And what of the consumers themselves: how are their payments preferences evolving? Citing Paysafe’s own proprietary research and data, company COO Danny Chazonoff will survey the Canadian payments landscape from both a consumer and a merchant perspective. He will discuss the broader issue of financial inclusion and assess whether merchants are keeping pace with their customers’ payments needs as well as their technology preferences. In short, Chazonoff will explore whether Canadians have enough choice when it comes to payments – and, if so, is more choice necessarily a good thing?

How to unleash the power of fintechs to accelerate innovation Tuesday 12:15 - Tuesday 12:30

Startup Stage

Tuesday 12:15 - Tuesday 12:30

Startup Stage

Rob Palmer, Vipul Lalka

Creating a fintech-bank partnership is only the starting point, how to make this partnership work is where the real work begins. Rob Palmer (CCO at Buckzy) and Bank Executive share what the challenges are on both sides of the spectrum from start up to large bank and how they can work together to accelerate innovation.

The five most promising blockchain innovations for banking Tuesday 12:30 - Tuesday 12:45

Startup Stage

Tuesday 12:30 - Tuesday 12:45

Startup Stage

Michelle Beyo

Distributed ledger technology has been around for a decade, but now that the hype and investment have died down somewhat, many have lost sight of its actual utility. So let's skip ahead in time and envision just what blockchain will be able to do for banking and financial services once firms and innovators are sufficiently aligned. We'll be touching on new privacy models, eID solutions, rethinking interoperability, and more.

Payments convergence: Myth or reality? Tuesday 1:00 - Tuesday 2:00

204

Tuesday 1:00 - Tuesday 2:00

204

Elena Whisler

Historically payments have developed in silos with different standards, infrastructure, geographical boundaries, use cases and end-users. Roles were clearly defined and access was tightly controlled. The move to open and instant payment rails is an opportunity to review the blueprint for payments. Driven by digital interactions in both payments innovation and the wider environment, customer and merchant expectations are growing towards an instant, integrated, multi-channel, yet personalized payments experience. Some payments may be initiated across one channel and completed via another. Others deeply embedded into the transaction context with the inter-bank rails almost invisible. The money movement itself is increasingly a commodity and payment providers are looking for new ways to drive value, increasing customer loyalty and engagement. This session will focus on examining the trends towards payments convergence, identify business models that are emerging, and discuss how to future proof payment infrastructures to embrace new opportunities.

Best practices in delivering data-rich real-time payments Tuesday 1:00 - Tuesday 2:00

200

Tuesday 1:00 - Tuesday 2:00

200

David Chance, Russ Waterhouse, Liz Oakes, Bradley Pragnell

This session will highlight the work of the Real Time Payments Group (RTPG) under the ISO 20022 umbrella. This group created and published the global RTPG market practices and continues to evolve the practices to meet the needs of the growing number of real-time systems that are adopting ISO 20022. Discussion will include how the market practice group operates and the presenters will share some practical implementation stories.

Live PayPod Recording: Results from the Consumer Pulse Survey Tuesday 1:00 - Tuesday 2:00

Startup Stage

Tuesday 1:00 - Tuesday 2:00

Startup Stage

Payments and fraud prevention: A critical partnership in managing change Tuesday 1:00 - Tuesday 2:00

206AB

Tuesday 1:00 - Tuesday 2:00

206AB

Ian Holmes, John Cowan, Jas Anand, Diana Halder, Joanna Lewis

"The only constant is change" (Heraclitus) certainly applies to Payments. We see this in the entire Payments Modernization process but also in consumer demand for frictionless, interoperable payments; with new payment players; and in trends like Open Banking. While this change is driving great benefit, it also drives risk, especially in terms of Fraud. There's lots of talk about "does faster payments mean faster fraud" but organizations also need to consider how fraud process and technology will protect and work within the growing complexity of payments. Do your fraud solutions create intelligence and prevention across channels, products and across the payments lifecycle (from origination to collections)? Can AI for fraud be your avenue to a truly holistic and proactive view of customer behavior? And is your Enterprise Fraud Strategy ready for these complexities? Join us as our global fraud expert presents industry trends, drivers and best practices and a panel of experts talk about how they are preparing for this complexity and creating even tighter relationships between payments and fraud.

DLT developments for payments, clearing, and settlement Tuesday 1:00 - Tuesday 2:00

205

Tuesday 1:00 - Tuesday 2:00

205

Marjan Delatinne, Andrew McCormack, Kerry Denerstein, Scott Hendry

The Bank of England Staff Paper 670 (2017) characterizes DLT as both a radical innovation (i.e. one that has high impact), as well as a systemic one (i.e. one that affects the entire value chain and not just one or a few components). But at this stage, it’s not clear how DLT might ultimately affect the post trade sector – whether the impact will be radical and/or systemic. This panel bring together representatives from the public and private sector to discuss the current use of blockchain for payments, clearing, and settlement activities and what the potential landscape may look like in the near and distant future.

Payments modernization: Industry perspectives on the evolving payments ecosystem Tuesday 1:00 - Tuesday 2:00

206CD

Tuesday 1:00 - Tuesday 2:00

206CD

Sharon Haward-Laird, Carolyn Burke, Daniela Carnevale Aubry, Todd Roberts, Rania Llewellyn, Christine Hunter

The Canadian Payments Modernization Program has an ambitious scope and will require disciplined delivery and collaboration to succeed. Hear from senior payments leaders of Canada’s largest financial institutions, as they provide their perspectives on future opportunities and insights on potential challenges.

Immediate cross-border payments Tuesday 1:00 - Tuesday 2:00

201

Tuesday 1:00 - Tuesday 2:00

201

Abdul Naushad, Wade Hobbs, Andre Flores, Riven Zhang

Despite the technology advancement and payment industry advancements, the cross-border payment segment remains pretty much the same when considering costs, latency, transparency and efficiency. This is most apparent in countries with an underdeveloped financial infrastructure. As the world gets more and more connected, the need for simpler, faster and more cost-efficient money transfer continues to grow. This session demonstrates a working real-time payments solution addressing all the key challenges in the cross-border industry.

Close-a-deal workshop with Holt Accelerator Tuesday 2:00 - Tuesday 3:00

Startup Stage

Tuesday 2:00 - Tuesday 3:00

Startup Stage

Timur Shomansurov

Holt Accelerator will be animating a workshop at The Payments Canada SUMMIT Startup Lounge with an audience of startups & industry players. Find your next partner - Holt's hands-on workshop that may result in a deal! Sign up to this workshop and we’ll help you explore partnership opportunities and work with some amazing startups in the process.

Transition Tuesday 2:00 - Tuesday 2:15

Tuesday 2:00 - Tuesday 2:15

The real rush for real-time payments in the digital economy Tuesday 2:15 - Tuesday 3:15

201

Tuesday 2:15 - Tuesday 3:15

201

Gene Neyer, Robyn King, Ken Wong, Ulf Persson

In today’s on-demand world, we expect to be able to spend, move and receive money instantly. For this reason, real-time payments (RTP), also known as ‘faster payments’ or ‘instant payments’, are gaining momentum globally. However, currently, many financial institutions have an infrastructure and a good customer base, but they are typically burdened by legacy systems. Many payments solutions are outdated, and interfaces are not intuitive. What is the best way forward, what is the value proposition and what are the steps required to enable RTP? To be able to achieve RTP, and at the same time support traditional ways of managing payments, domestic and international, it typically requires you to be innovative and transparent, including building ecosystems that are trusted by your customers and business partners. You need a reliable, scalable and secure payments infrastructure, supporting both today’s and tomorrow’s business needs. In this presentation we will share best practices on how to get there through real life examples both from an IT and business perspective, from countries which have implemented RTP, and what should be improved to be able to digitally enable and optimize payment applications.

Consumer protection in the age of faster payments Tuesday 2:15 - Tuesday 3:15

206AB

Tuesday 2:15 - Tuesday 3:15

206AB

Ana Badour, Alaina Gimbert, Anne Butler, Marilyn Mauritz

This session will evaluate the need for faster/improved payments in Canada, including speeding up availability and certainty of payments, processing of payments and settlement, working towards ubiquity, competing on a global level, discussing industry initiatives related to faster payments, understanding legal frameworks for payment systems, the impact of risk management, compliance, and regulatory issues for operators and participants, and faster/improved payment products from the customer/end user perspective (consumer and corporate).

Prepaid: A core capability for Paytech growth in Canada Tuesday 2:15 - Tuesday 3:15

204

Tuesday 2:15 - Tuesday 3:15

204

Peter Read, Jennifer Tramontana, Mike Tasevski

Prepaid has been classified as a niche product, adept at filling gaps in the current payments system. But it has emerged as a core capability for Paytech growth in Canada. The Canadian Prepaid Providers Organization, Peoples Cards Services and Mastercard will present new research on the economic and social impact of prepaid cards. In this session participants will learn how prepaid can be used as a capability to build the next generation of disruptive Fintech services along with use cases where prepaid is driving change today.

Reinventing payments: Perspectives from global banks on modernization in Canada Tuesday 2:15 - Tuesday 3:15

206CD

Tuesday 2:15 - Tuesday 3:15

206CD

Matthew Parker-Jones, James Bradshaw, Sean Goldrick, John Landry, Jude Leclerc

Canada is in the middle of a multi-year initiative to completely modernize its infrastructure of payments clearing and settling, which will result in data-rich, faster and safer payments for all. This panel will deliver an in-depth discussion around payments modernization, lessons learned from other programs around the world, and insights into benefits and efficiencies from senior payments experts representing Global Systemically Important Banks (GSIBs).

Beyond open banking: Competing in an era of software platforms and ecosystems Tuesday 2:15 - Tuesday 3:15

205

Tuesday 2:15 - Tuesday 3:15

205

David Andrzejek

The world is moving to software experiences, and competition is shifting to platforms and ecosystems. In this session we’ll discuss open banking APIs and payments and strategies to remain relevant.

ISO 20022: Starting the conversation with your CFO Tuesday 2:15 - Tuesday 3:15

200

Tuesday 2:15 - Tuesday 3:15

200

Mike Sigal, Ilinca Vetra, William Piggot, Michel Lechasseur

ISO 20022 is a global messaging standard that allows more data to travel with electronic payments bringing higher efficiency to the way payments are processed. What’s the best way to showcase ISO 20022’s importance to executives at your organization? This sessions gives insight on how to get the conversation rolling.

Transition/PM break Tuesday 3:15 - Tuesday 3:45

Tuesday 3:15 - Tuesday 3:45

Verified.Me demo Tuesday 3:25 - Tuesday 3:40

Startup Stage

Tuesday 3:25 - Tuesday 3:40

Startup Stage

Darrell MacMullin, Greg Wolfond

Join Greg Wolfond and Darrell MacMullin at the startup stage for an overview of Verified.Me, a new Canadian service that helps verify your identity using personal info that you consent to share from your Connections, with service providers you want to transact with.

Fraud protection for real-time payments Tuesday 3:50 - Tuesday 4:05

Main Stage

Tuesday 3:50 - Tuesday 4:05

Main Stage

Constantin von Altrock

Real-Time payments and Banks’ ongoing Digital Transformation are creating unprecedented opportunities for the bad guys and pressuring banks the world over with increased losses and brand erosion. Traditional detection systems are not keeping up which will culminate in a watershed moment when real time rails are introduced in Canada next year. Fraud will quickly move to the least protected market participants, while those with more advanced capability may be able to provide more differentiated offers to their clients. In his keynote address, Constantin will draw on IBM’s experience in protecting real time rails in the UK, France, Portugal, and Australia, and discuss how Canadian payments participants can better defend themselves and protect their customers. Topics will include lessons learned in more than 10 years of safe-guarding real time payments, and the roles that both the central switch and the banks play in protecting consumers.

Jim Marous: What banking can learn from top innovators Tuesday 4:05 - Tuesday 4:25

Main Stage

Tuesday 4:05 - Tuesday 4:25

Main Stage

Jim Marous

A discussion of how Uber, Airbnb, Amazon, Apple, Tesla and others have set the bar on digital innovation and how banking can learn from these unique firms.

The digitisation of the Australian economy Tuesday 4:25 - Tuesday 4:40

Main Stage

Tuesday 4:25 - Tuesday 4:40

Main Stage

Leila Fourie

Leila Fourie will provide a country round-up on the digitisation of the Australian economy, covering industry developments and CBA initiatives in Blockchain and AI.

The five reasons 2019 is the important year in payments innovation Tuesday 4:40 - Tuesday 4:55

Main Stage

Tuesday 4:40 - Tuesday 4:55

Main Stage

Karen Webster

2019 is the year that bridges the 2010’s - a decade that saw some of the important innovations in payments, commerce and banking take root - with the decade of the 2020’s that Karen Webster says will see innovation accelerate even more. That’s why she said it’s the year that everyone should take a critical look at what’s worth taking forward into the next decade and what’s best left behind. Karen Webster, of course, has her views and will share them with Summit attendees.

May 15

Breakfast Wednesday 8:00 - Wednesday 10:00

Interactive Zone

Wednesday 8:00 - Wednesday 10:00

Interactive Zone

Refreshments and breakfast will be served in the Interactive Zone

Unorthodox partnerships and human mindsets Wednesday 8:30 - Wednesday 9:30

204

Wednesday 8:30 - Wednesday 9:30

204

Iliana Oris Valiente

What do the following three scenarios have in common? 1. A retailer, an investment behemoth, and a global bank partner to provide health insurance. 2. Direct competitors in the auto sector partner on the future of mobility. 3. A farming coop, high-end grocer, credit card processor partner to reimagine the circular supply chain. The answer? Unorthodox partnerships. This session will explore an emerging topic that’s on the minds of senior executives – the meta theme of collaboration via unorthodox partnerships as a way to unlock value. The session will draw examples from various industries and incorporate principles from human centered design to highlight the (currently underexplored) impact to the world of payments.

Journey to the cloud for payments Wednesday 8:30 - Wednesday 9:30

201

Wednesday 8:30 - Wednesday 9:30

201

Chae An, Sridhar (Sri) Narayanan

As financial institutions are modernizing their payments systems, as well as other core systems, cloud infrastructure has become an important factor for their next generation architecture. However, clouds also present the enterprises with unique challenges including regulatory compliance, security, performance, and management across clouds and existing IT. In this breakout session, Chae will discuss the reality of hybrid IT and multi clouds for the financial institutions and the need to architect right for hybrid, multi cloud journey.

Digital ID and commerce: The convergence of payments and identity Wednesday 8:30 - Wednesday 9:30

206AB

Wednesday 8:30 - Wednesday 9:30

206AB

Almis Ledas, Christian Ali, Greg Wolfond, Pierre Roberge

More than ever customers are turning to online marketplaces to purchase goods and services, and the number of e-commerce users will only continue to grow. How is consumer data being managed presently, and how will digital identity both give control back to the consumer, and create a seamless payments experience? In this panel discussion, payments experts will discuss the current-state of data management, the impact of digital identity to the commerce workflow, and the benefits of digital ID to both the consumer and the retailer.

How crypto can be used to facilitate money laundering, trade sanction avoidance and tax evasion Wednesday 8:30 - Wednesday 9:30

200

Wednesday 8:30 - Wednesday 9:30

200

Rodney MacInnes, Jas Anand, Alex Baron, Ruth Promislow

There is a reason why cyber-hackers demand that their ransom payment to release the data they have ceased be paid in a private cryptocurrency and not a national currency. The panel will explain why that is and what all payments industry participants must now be aware of in the world of private digital currency.

The future of mobile payments in Canada Wednesday 8:30 - Wednesday 9:30

205

Wednesday 8:30 - Wednesday 9:30

205

Christie Christelis, Jordan Goddard, Wei Ke, Michele Poole

While more than six out of ten smart phone owners have made a mobile payment over the past six months, the vast majority of these have been remote payments (bill payments, or transfers, online payments, etc.). In-store mobile payments have struggled to gain traction. This discussion will provide insights into the opportunities and challenges facing mobile payments in Canada and compare it to other jurisdictions. It will also identify the key factors that having been holding mobile payments back.

Making money from moving money Wednesday 8:30 - Wednesday 9:30

206CD

Wednesday 8:30 - Wednesday 9:30

206CD

Wendy MacKinnon, David Hooper, Jennifer Hawkins, Dougal Middleton, Ainsley Ward

In this moderated panel session, recognized payments experts will discuss new ways of looking at payments modernization. This session will give ideas to guide, plan and maximize your investment, while enabling rapid realization of new revenues throughout and beyond the lifespan of today’s change. In this session, you will hear: - How focus is shifting globally to the Payment Service User, typically the retail or commercial customer of a Financial Institution, and what Canada’s modernization journey needs to learn from this - A discussion of the key actions required to prepare your infrastructure for the needs of tomorrow’s payment service users and to deliver services that allow you to compete in tomorrow’s payments market - Global case study examples and user stories from the world of payments, and how these can be applied to Canada

Transition/AM break Wednesday 9:30 - Wednesday 10:00

Wednesday 9:30 - Wednesday 10:00

Evolving financial services to meet future needs of the Canadian workforce Wednesday 10:05 - Wednesday 10:20

Main Stage

Wednesday 10:05 - Wednesday 10:20

Main Stage

Paul Parisi

The move toward more entrepreneurial sources of income are combining to fundamentally shift the ways in which people work and earn a living. Traditional financial services were primarily designed to serve people employed at a nine-to-five job by a single employer, oftentimes for their entire careers. Millennials are now the largest generation in the working population in Canada and they have different expectations about how they work and manage their finances. Women now make up a larger percentage of the workforce than ever before and they have unique challenges associated with work and financial health. Today, we have the opportunity to build new financial services to better serve the needs of the Canadian workforce who may be particularly underserved by existing products and services.

Digital payments in developing economies Wednesday 10:20 - Wednesday 10:35

Main Stage

Wednesday 10:20 - Wednesday 10:35

Main Stage

Chris Hamilton

Imagine living in a country with two different economies: One for business and the wealthy few, using cards and electronic payments; and one for everyone else, using cash. It’s a story defined by inequality. Now, imagine living in a community where most people don’t have a bank account, but nearly everyone has access to a mobile phone. This is already the picture for most of the 260 million people living in southern Africa. The rapid spread of mobile technologies offers a unique chance to make a real difference to economic development and financial inclusion – and as India is showing, payments infrastructure is key. At BankservAfrica, we want to be part of that change.

Using Artificial Intelligence to uncover new, increasingly sophisticated patterns of financial crime Wednesday 10:35 - Wednesday 10:50

Main Stage

Wednesday 10:35 - Wednesday 10:50

Main Stage

David Rich

Over the past year we’ve seen a dramatic change in the speed and scale of fraud and money laundering, as well as the emergence of new patterns of illicit behaviour. We’ll share with you the latest insights from the world’s only live network-level money laundering solution, including: -The latest emerging types fraud and scams -The dramatic increase in the speed at which illicit funds are dispersed -How technology is being employed both by the fraudsters and those trying to stop them

What the world can teach Canada about Fintech Wednesday 10:50 - Wednesday 11:20

Main Stage

Wednesday 10:50 - Wednesday 11:20

Main Stage

Luce Veilleux, Alexander Sjögren, Jeffrey Bower

Canadian usage of a fintech product in the last six months is 50 per cent less than the international average. What factors contribute to Canada’s adoption rate? There is no question Canada’s fintech sector is thriving, so how do we close the adoption rate gap?

Lunch Wednesday 11:25 - Wednesday 1:30

Interactive Zone

Wednesday 11:25 - Wednesday 1:30

Interactive Zone

Refreshments and lunch will be served in the Interactive Zone

Home is wherever consumers choose to be: Harnessing the power of transactional data Wednesday 11:30 - Wednesday 11:45

Startup Stage

Wednesday 11:30 - Wednesday 11:45

Startup Stage

Frédérick Lavoie

Overview of the history of credit and how it shaped the world as we know it, including the unequal access to credit today. Find out the different ways Flinks enables customers to leverage their financial data, anywhere they choose to be and why it matters.

Liquidity management in a multi-bank and multi-currency world Wednesday 11:45 - Wednesday 12:15

204

Wednesday 11:45 - Wednesday 12:15

204

Laurence Cooke

Today even small businesses need to manage many currencies, send and receive payments globally. Do all small businesses need a treasury function?

Transportation in a friction-free, plastic-free world Wednesday 11:45 - Wednesday 12:15

201

Wednesday 11:45 - Wednesday 12:15

201

Yona Shtern

We are in the midst of a transportation revolution. Billions of dollars are being poured into connected cars, autonomous vehicles and smart cities. With the rapid investment, experts predict more and more connected cars on the road in the coming years, more ride-sharing and fractional ownership and autonomous vehicles on the road in the next decade. As a result, companies need to plan for this change and recognize that the source and flow of payments is being disrupted, as well. We’re moving toward a friction-free, plastic-free future. Card not present is taking on a whole new meaning. In this session, we’ll examine the current landscape, consumer trends and examine what companies need to do to innovate for the future.

The Payments File Validation Service (PFVS), a Payments Canada service, powered by XMLdation Wednesday 11:45 - Wednesday 12:15

200

Wednesday 11:45 - Wednesday 12:15

200

Brenda Wagle, Kate Risch Choi, Tricia Balfe, Leisa Millier

The PFVS is an optional and flexible new online service that Payments Canada is now offering to Canadian FIs. Powered by XMLdation, PFVS makes integration between banks and their customers faster and easier, which means a much smoother on-boarding experience. PFVS enables real-time editing and online validation of test payment data against the requirements of ISO 20022, as well as other payment file types and business rules. This provides FIs that choose to subscribe with a flexible, efficient way to ensure that payment files they receive from their corporate clients are formatted correctly for that institution. This will be invaluable during the industry-wide migration to ISO 20022 in Canada. Hear from FIs about how they are using the PFVS to improve the payments setup process and deliver a better client experience to their customers for ISO 20022, CPA Standard 005 (EFT/AFT), ACH, and proprietary payment file formats.

Disruptive tech for B2B payments: Hype vs. reality Wednesday 12:00 - Wednesday 12:45

206CD

Wednesday 12:00 - Wednesday 12:45

206CD

Paul Roman, Roy Kao, Sue Britton

From virtual payments to Blockchain and AI, there are a number of new technologies disrupting the B2B payments ecosystem. This interactive panel discussion among leaders in payments and fintech will look at key opportunities for businesses looking to harness the power of these new technologies to solve pain points and streamline vendor payments. In addition to focusing on real business applications and bottom-line impact, this forward-looking discussion will also examine the scalability of disruptive tech, market readiness and highlight some innovative new players on the market.

Big problems that need a solution Wednesday 12:00 - Wednesday 12:15

Startup Stage

Wednesday 12:00 - Wednesday 12:15

Startup Stage

Karim Gillani

This presentation will highlight three big fundamental problems that still need a long-term sustainable solution. These are problems that not only underpin the well-being of individuals but also the health of the economy: i) banking solutions for kids and why that’s important; ii) greater access to life/health insurance; iii) frictionless real estate experiences.

Leveraging behavioural patterns and AI to deliver enhanced risk management in clearing services Wednesday 12:00 - Wednesday 12:45

205

Wednesday 12:00 - Wednesday 12:45

205

Robin Grosset, Anne Butler

From nearly 20 years of Large Value Transfer System (LVTS) observation, we have learned that the clearings provide a glimpse into Canadian macroeconomic performance and patterns are abound. While routine supports improved forecasting, it can also contribute to enhanced risk management capacity. During this session, Payments Canada and MindBridge Ai will discuss the journey that they have embarked upon to exploit the behavioral patterns governing clearing activity in support of improved performance and risk monitoring in providing payment clearing services to the Canadian financial system.

Canada, post payments modernization: Why consumers will be the real winners Wednesday 12:00 - Wednesday 12:45

206AB

Wednesday 12:00 - Wednesday 12:45

206AB

Harinder Takhar

In a world where emails are free, why should payments cost anything? Once the payments modernization plan is fully executed and allows for increased access, expect new business models and strong competition to emerge. Consumers will be the real winners.

How did you pay for that? Payment trends in retail Wednesday 12:15 - Wednesday 12:30

Startup Stage

Wednesday 12:15 - Wednesday 12:30

Startup Stage

Alvin Chan

Consumer expectations are rapidly evolving and to keep their customers engaged, savvy retailers are turning to innovation to redefine convenience and to create frictionless experiences. Learn about emerging payment trends in retail and why they matter.

What you don’t know can hurt you: The risks of hidden data collection Wednesday 12:30 - Wednesday 12:45

Startup Stage

Wednesday 12:30 - Wednesday 12:45

Startup Stage

Ivan Tsarynny

While most Fintech companies think they are doing everything they can to comply with new privacy and data protection regulations, the sheer amount of personal data collected by third-parties is making it close to impossible to do so effectively. Even more disturbingly, third parties are injecting hidden, ungovernable and sometimes unauthorized behavior trackers into company websites to collect personal data for tracking and profiling users, and at times, transferring data to countries with no privacy protection. Simply put — there’s a good chance you are not aware of what personal data is collected, where that data resides, how it is being used, and if it’s managed in a compliant way. We believe this is one of the biggest privacy blind spots for Fintech companies today and could expose you to big penalties.

Lightning pitches Wednesday 12:45 - Wednesday 1:00

Startup Stage

Wednesday 12:45 - Wednesday 1:00

Startup Stage

Startups will have five minutes to demo their product or solution

The gig economy: Payments and the changing face of employment in Canada Wednesday 1:00 - Wednesday 2:00

204

Wednesday 1:00 - Wednesday 2:00

204

Sam Vassa, Paul Birkness, Edwin Frondozo, Trish Shaheen

The nature of work and employment is fundamentally changing. With the rise of on-demand workers, flexible schedules and short-term gigs, participants in the payments network are demanding their funds more quickly. Learn how several industries are facing this challenge and see which ones won’t survive.

The many perspectives of open banking Wednesday 1:00 - Wednesday 2:00

201

Wednesday 1:00 - Wednesday 2:00

201

Franklin Garrigues, Richard Prior, Brian Costello, John Pitts

Open banking touches a myriad of industry participants- from banks to aggregators to online small business lenders. This panel will explore how the market works now and how policymakers can help create a robust open banking marketplace to allow consumer and small businesses to safely enjoy the many benefits of open banking.

Innovating the way: Women in Fintech Wednesday 1:00 - Wednesday 2:00

206AB

Wednesday 1:00 - Wednesday 2:00

206AB

Michelle Beyo, Kristy Duncan, Fruzan Nijrabi, Sue Whitney

FinTech is positioned right between two historically male-dominated industries: finance & technology. Women are gaining momentum as CEOs and Founders, however, there is still a significant gender gap in these roles. In fact, studies show in Canada that gap is worse in FinTech than in Finance and Technology. The result of research conducted by FinTech Growth Syndicate (FGS) is staggering, only 9% of the FinTechs in Canada have at least one female founder or CEO/C-level executive. Despite these facts, the gender disparity in the Canadian FinTech industry has been closing in recent years. Indeed, the proportion of female to male CEO/C-level or Founders has increased in the last 15 years. FinTech is a relatively new industry with an opportunity to change and disrupt not only the financial sector, but also the diversity of people in the workplace. One of the many ways to close the gender gap is raising awareness about what is happening in FinTech. Join this conversation and hear from the women innovating the way in FinTech.

Balancing speed and risk in today’s rapidly evolving world Wednesday 1:00 - Wednesday 2:00

200

Wednesday 1:00 - Wednesday 2:00

200

Stephanie Zee, Kevin O'Neil, Lisa Ford, Cyrus Bhathawalla

In a real-time world – where international transactions are settled in seconds, and regulatory obligations shift rapidly across jurisdictions – financial institutions need increased automation and new technologies to help manage risk. Today’s wholesale payments landscape is evolving as never before, while the threat of fraud and cyber activity continues to grow in parallel. RegTech solutions promise to harness the benefits of new technology, data, analytics and AI to drive effectiveness and efficiency gains, but challenges remain. How can organizations best employ technology as part of an integrated risk management strategy? Find out how FI’s can navigate such uncertainties, and develop strategies to manage cyber, AML, fraud and other risks, in order to effectively plan for a future of ‘unknowns’.

Learn from the ISO 20022 experts: Insights learned from global case studies Wednesday 1:00 - Wednesday 2:00

205

Wednesday 1:00 - Wednesday 2:00

205

Jonathan Magder, Britta Kotthaus-Krahmer, Volker Heinze, Victor Neff

In this session, experts from Accenture and Unifits will share their extensive experience from a number of ISO2022 projects in Europe with a special focus on the most recent go-live of the Swiss Interbank Clearing (SIC) system, as well as a relevant case study. Having worked with multiple financial institutions across Europe, the presenters will talk about the commercial value being realized, highlight the challenges of a multi-system, multi-year migration and discuss the impact on FI’s payment processing environments. Their experience comprises strategy, project and test planning as well as potential long-term benefits of test automation per tool and test engines.

Protecting consumers and banks in the digital age Wednesday 1:00 - Wednesday 2:00

206CD

Wednesday 1:00 - Wednesday 2:00

206CD

Richard Hoehne, Constantin von Altrock

In this deep dive session, you will learn about the challenges and solutions to better defend emerging digital channels, including real time payments, digital onboarding, and multi-channel fraud. You will see a live demonstration of a “3rd Generation” fraud prevention solution that uses actual customer data to develop a fraud detection model in minutes. Constantin and Richard will expand on real-time fraud prevention to address the challenges of protecting the consumers and banks in the digital age, covering the role of both real time and modernized payments in enabling more digital commerce. Topics to be explored will include the real time payment discussion, the intersection of security, authentication and fraud detection, and the need for an Intelligent Risk Decisioning Platform.

Transition Wednesday 2:00 - Wednesday 2:15

Wednesday 2:00 - Wednesday 2:15

Open banking imagined Wednesday 2:15 - Wednesday 3:15

206CD

Wednesday 2:15 - Wednesday 3:15

206CD

Kirsten Thompson, Dan Dickinson, Andrew McFarlane, Ilse Treurnicht

Open Banking has the potential to completely revolutionize the way we spend and save money, however in order to realize the benefits, we must be willing to share personal and financial information. This panel will discuss adoption, security implications and data.

T+0: CDIC’s audacious goal Wednesday 2:15 - Wednesday 3:15

205

Wednesday 2:15 - Wednesday 3:15

205

John Rossi, Peter Routledge, Chantal Richer, Gina Byrne, Angela Roberge

At CDIC, we are investing in our data processes to dramatically reduce the time it takes to reimburse deposits in the event of a failure. Within five years, we aim to build a payout capability able to reimburse depositors on the day of failure (T+0). To achieve this audacious goal, we need to work closely with member institutions and financial professionals to facilitate the quick and accurate payment to depositors. Among our challenges will be to avoid keeping depositor data at CDIC to reduce cyber risk and protect privacy, and the challenges associated with sending same-day reimbursement to thousands of depositors who no longer have a bank.

Fighting the good fight: How merchants are grappling with cyber-security and fraud Wednesday 2:15 - Wednesday 3:15

206AB

Wednesday 2:15 - Wednesday 3:15

206AB

Larry Brennan

During this session, Larry Brennan will help merchants understand current cyber-security and fraud risks, the potential impact on their businesses and how to mitigate them.

Mastering Swift MT and ISO 20022 (XML or JSON) coexistence Wednesday 2:15 - Wednesday 3:15

200

Wednesday 2:15 - Wednesday 3:15

200

Paul Ruskin

This session will answer key questions on how your business can master coexistence between Swift MT and ISO 20022. We understand that every requirement is different and whether your 20022 solution requires XML or JSON the same challenges await and this talk takes you through these challenges and how to implement a solution that is future proof to sustain changes to any standard.

The pathway to real-time treasury Wednesday 2:15 - Wednesday 3:15

204

Wednesday 2:15 - Wednesday 3:15

204

Chloé Poirier, Elena Litani, Kate Atkinson, Cathy Pin

With mounting pressure to improve controls and efficiency and to free up trapped cash, the real time treasury is a concept that has grown in popularity over the last few years. With real-time treasury, corporations can unlock trapped global liquidity and surplus funds can be invested automatically according to treasury-determined preferences for risk, return and diversification. Cash-flow forecasts are generated and updated in real time. FX conversions are carried out automatically and in real time. Today, corporate treasury teams are looking for deeper insight into their global liquidity positions, with real-time information, transparency and straight-through reconciliation across multiple banks. Ever-changing regulatory landscape, the proliferation of Open Banking and the adoption of real-time payment schemes enables the industry to make considerable progress and is inspiring a new generation of cash and liquidity management solutions – solutions which are transforming both corporate treasurers’ expectations for treasury management system capabilities and client expectations for financial institutions’ treasury services. This talks combines recent research and expert views in an attempt to assist corporate treasuries to plan for the future real time world.

Simplifying cross-border payments Wednesday 2:15 - Wednesday 3:15

201

Wednesday 2:15 - Wednesday 3:15

201

Ramesh Jayakrishnan, Peter Maoloni, Stephen Grainger

The last decade has seen a significant amount of activity within cross border payments. With some of the challenges in the traditional framework and business models, the cross border payments industry has seen a significant amount of investments and interest from new entrants, emerging technologies as well as traditional participants of the eco-system. With the emergence of new business models, increasing compliance and regulatory concerns as well as growing customer expectations, there is an increasing pressure on service providers to deliver secure, competitive, compliant and compelling propositions. In this session, Mastercard and Interac will talk about their vision and strategy around simplifying cross-border payments.

Transition/PM break Wednesday 3:15 - Wednesday 3:45

Wednesday 3:15 - Wednesday 3:45

Keynote address: Jose Ribau Wednesday 3:50 - Wednesday 4:05

Main Stage

Wednesday 3:50 - Wednesday 4:05

Main Stage

Jose Ribau

Innovation in digital payment landscape Wednesday 4:05 - Wednesday 4:20

Main Stage

Wednesday 4:05 - Wednesday 4:20

Main Stage

Eugenio Tornaghi

SIA will discuss digital payment trends and main innovation areas, instant payment opportunities for the financial community, the open banking ecosystem for banks and non-banking players to accelerate the development of new payment use cases, and the value of a permissioned blockchain infrastructure able to manage multi-DLT communities.

The culture journey to agility Wednesday 4:20 - Wednesday 4:35

Main Stage

Wednesday 4:20 - Wednesday 4:35

Main Stage

Mark Blucher

The financial services sector is facing unparalleled levels of increasing disruption. The success of today's leading organizations relies on its agility and the strength of its people. Organizations are reinventing themselves to not only respond, but thrive in the face of this digital evolution. Mark Blucher, President & CEO of will provide an overview of Central 1's transformation journey to deliver market leading innovation and products to Canada’s credit unions.

Trust: The currency of the digital future Wednesday 4:35 - Wednesday 4:50

Main Stage

Wednesday 4:35 - Wednesday 4:50

Main Stage

Debbie Gamble

If data is the new oil, then trust is indeed the currency of the future. While technology has enabled exponential opportunities to share and exchange information, it has also led to instances where information has been misused, resulting in an erosion of trust. This presentation will discuss how to develop a framework for innovation in a future where trust is paramount by rooting ourselves in principles including irrefutability, authenticity, inclusivity and relevance for consumers.

Technology and the future of the retail customer experience Wednesday 4:50 - Wednesday 5:20

Main Stage

Wednesday 4:50 - Wednesday 5:20

Main Stage

Mario de Armas, Andrew Go, Dilip Soman, Maria Smith

AI, immersive technology, omni-channel, loyalty, customer experience. The future of retail is a race to anticipate customer needs, deliver a personalized experience – both in-store and online, in a fast, secure and safe environment. This panel will discuss the future of retail and the innovative ways companies are gaining the competitive advantage.

The SUMMIT Social Wednesday 5:25 - Wednesday 10:00

Interactive Zone

Wednesday 5:25 - Wednesday 10:00

Interactive Zone

The premiere networking event at The SUMMIT!

May 16

Breakfast Thursday 8:00 - Thursday 10:00

Interactive Zone

Thursday 8:00 - Thursday 10:00

Interactive Zone

Refreshments and breakfast will be served in the Interactive Zone

From strategy to action: Digital innovation delivering 1st-to-market solutions for business & retail Thursday 8:30 - Thursday 9:30

205

Thursday 8:30 - Thursday 9:30

205

Michael Zerbs, Greg Lahn, Katie Greenberg, Rania Llewellyn, Dougal Middleton

Over the last three years Scotiabank has revamped its Global Business Payments to create an agile environment focused on digital solutions that deliver a better customer experience. In addition, Scotiabank has established an Enterprise Payments Office to link payment solutions – both retail and business – to quicker market delivery. By establishing an organization structure that combines business and technology, a focus on micro-services and a platform for accelerated development, Scotiabank has been delivering first-to-market payment products to its business and retail customers. This in-depth discussion will look at how Scotiabank has been using Agile methodology and developing reusable solutions to transform the end-to-end customer experience.

ISO20022: Modernized payments in a world with open banking Thursday 8:30 - Thursday 9:30

200

Thursday 8:30 - Thursday 9:30

200

Fay Deevy, Edgar Barbosa, Luk Boral, Abhishek Sinha

Discussion on how payments standards can thrive in an open banking environment.

Corporate banking: Digital strategies for the next generation Thursday 8:30 - Thursday 9:30

204

Thursday 8:30 - Thursday 9:30

204

Lisa Lansdowne-Higgins, Aaron Conlin, Robert Mancini

Boston Consulting Group reports that while 86% of global corporate banking executives agree digital will impact business economics and competition, only 43% have a digital strategy. Meanwhile, corporate treasurers have rising expectations of bank services and continue to challenge the status quo. How can banks partner with their corporate clients and technology providers to spark innovation? Hear both corporate and bank perspectives on identifying and overcoming challenges in payments, corporate banking services, and partnerships.

Emerging digital identity and authentication services Thursday 8:30 - Thursday 9:30

206AB

Thursday 8:30 - Thursday 9:30

206AB

Rozmin Patel, Wayne Pommen, Kristen Palmer, Robert Blumenthal

This panel is blazing the path forward, demonstrating leadership and ingenuity through new approaches and themes in service delivery for online and mobile channels. EnStream’s Chief of Digital Services Robert Blumenthal will lead the discussion to review emerging digital identity and authentication services, that thwart identity theft and allow Canadians to transact with trust. The audience will learn through real-market commercial examples, how EnStream is working together with Canadian Financial Institutions and lenders, to help bring exciting next-generation solutions to market.

Retail payment innovations: Building future-ready businesses, today Thursday 8:30 - Thursday 9:30

201

Thursday 8:30 - Thursday 9:30

201

Suresh Rajagopalan, Patrick Cormier

The next generation Canadian is a digital citizen, well-informed and tech-savvy. To attract and retain these customers, banks need to innovate and give their customers unique experiences. Take a deep dive into future payment trends like omni-channel acquiring, adaptive authentication, payments modernization and auto-bots in reconciliation and settlement. Learn how they could be implemented in your portfolio to build more relevant business specific applications. Join industry leaders as they explore how the latest payment innovations will create a positive impact on your business.

How new real-time rails will drive innovation: First-hand insights from global experts Thursday 8:30 - Thursday 9:30

206CD

Thursday 8:30 - Thursday 9:30

206CD

David Grindal, Gilles Ubaghs, Pedro Maya, Derek Vernon, Bridget Hall

Join leading Canadian banks and industry experts to hear first-hand how they are creating and monetizing new customer propositions, rapidly launching new products and gaining market share on new real-time payment rails. Mature and legacy real-time schemes are evolving to ‘2.0’ iterations, with new schemes developing and launching around the world. New real-time schemes have brought new rich data standards (ISO) that can be leveraged to deliver enhanced digital overlay services (RfP), improved cross-border experiences (SWIFT gpi) and meet retail and transaction banking. Canada is a diverse and mature payments ecosystem which holds great opportunity for payments players who prime themselves to capitalize on the new real-time rails from day one.

Transition Thursday 9:30 - Thursday 9:45

Interactive Zone

Thursday 9:30 - Thursday 9:45

Interactive Zone

Lightning pitches Thursday 9:30 - Thursday 9:45

Startup Stage

Thursday 9:30 - Thursday 9:45

Startup Stage

Startups will have five minutes to demo their product or solution

Creating exponential value through overlay services Thursday 9:45 - Thursday 10:45

200

Thursday 9:45 - Thursday 10:45

200

Vipul Lalka, Rakesh Lakhani, Chris Gardner, Saba Shariff

Companies have been leveraging digital technologies to create exponential value and competitive differentiators to develop new revenue streams and expand their addressable markets. The introduction of overlay services is driving cross industry collaboration to directly address customer needs and promote innovative services in a distributed and accessible infrastructure. This panel explores how businesses can take advantage of overlay services and the limitless new possibilities that can be brought to market through Payments Canada.

Will regulations stifle the next big breakthrough in payment technology Thursday 9:45 - Thursday 10:45

206AB

Thursday 9:45 - Thursday 10:45

206AB

Stephen Brent Sargeant, Amber Scott, Juan Aja Aguinaco, Raza Siddiqui

With AML regulations being the hot topic especially in the virtual currency space, will this slow down emerging technology using the blockchain and crypto-curreny in the payment industry. A discussion on how regulations will affect innovation in the payments space.

Loyalty in a real-time world Thursday 9:45 - Thursday 10:45

201

Thursday 9:45 - Thursday 10:45

201

Helena Tigert, Brian Weiner, Sean Claessen

Canadian consumers have high expectations of loyalty programs, but are our loyalty programs keeping up? Loyalty engagement is driven 75% by a strong customer experience and the remaining 25% driven by rewards earn/burn mechanics. In our discussion, we’ll take a look at Canadian loyalty trends, top innovative customer experience case studies and real-time digital loyalty solutions. We will also share new research from the most recent 2019 Bond Brand Loyalty Report which surveyed over 10,000 Canadians in-depth on their primary loyalty programs.

From walking to running: Risk management in an age of real-time money movement and open banking Thursday 9:45 - Thursday 10:45

204

Thursday 9:45 - Thursday 10:45

204

Marc Milewski, Peter Dodic, Marie Houde, Chloé James, Terri O'Brien

The Canadian payments ecosystem continues to migrate towards real-time money movement and greater interconnectedness between market participants including financial institutions, payment networks, merchants and consumers. In a modern payments landscape, the need for organizations both large and small to effectively manage enterprise risk is critical to ensuring the safety and soundness of the broader payments and financial services system. In this panel discussion, hear from a diverse group of payments, risk and financial industry leaders about their organizations’ approaches to enterprise risk management and how they are evolving to meet the complex needs of payments today and into the future.

Evolution or revolution: Cyber security and privacy risks in faster payments and open banking Thursday 9:45 - Thursday 10:45

205

Thursday 9:45 - Thursday 10:45

205

Franklin Garrigues, Manas Giri, Adriana Gliga-Belavic, Rene McIver

In the last couple of years you have seen a flurry of activity in Payments. The digital revolution has made it easier and faster than ever before for consumers to pay using their phone, watch, social media or even their face. With change comes opportunities but also challenges for those participating in the ecosystem. This panel will bring together industry experts to discuss the evolution of Cyber Security and Privacy risks within the context of ever evolving faster payments and open banking, lessons learned from other jurisdictions and how taking an integrated approach can help organizations succeed.

Data, speed, costs: What matters for Canadian businesses? Thursday 9:45 - Thursday 10:45

206CD

Thursday 9:45 - Thursday 10:45

206CD

Vivek Ramasubramanian, Alex Goncharenko, Aaron Conlin, Ryan Grundy, Andrew Ross

The banking industry through the Canadian Bankers Association (CBA) has commissioned Deloitte to complete an independent study on identifying needs to enable a future set of payments capabilities that can drive value for corporates, governments, and end-users alike. This panel will discuss findings of the study which will further inform Payments Canada's journey to modernize Canada’s national payments infrastructure.

Thursday 10:45 - Thursday 11:00

Lightning pitches Thursday 10:45 - Thursday 11:00

Startup Stage

Thursday 10:45 - Thursday 11:00

Startup Stage

Startups will have five minutes to demo their product or solution

Converting loyalty to purchase at the point of sale Thursday 11:00 - Thursday 12:00

204

Thursday 11:00 - Thursday 12:00

204

Megan Jones, Mike Bradley, Jeremy Bornstein, Len Covello

Discussing the opportunity to convert Loyalty points to purchase for everyday items across the spectrum of retailers using mobile.

A cashless society: Is Canada there yet? Thursday 11:00 - Thursday 12:00

200

Thursday 11:00 - Thursday 12:00

200

Anne Butler, Gradon Nicholls, Viktoria Galociova, Marie-Hélène Felt

This session will feature researchers from Payments Canada and the Bank of Canada discussing payment findings from the latest Canadian Payment Methods and Trends and the Methods-of-Payment Survey research. The presentation will provide insights on the usage of electronic and paper payments in Canada with a focus on historical trends, demographics and emerging payments.

People in payments Thursday 11:00 - Thursday 12:00

205

Thursday 11:00 - Thursday 12:00

205

Kristy Duncan, John Cowan, Susan Hawkins, Catherine Parsons Dhamija, Mark O'Connell

The role of payments within banks is evolving globally, driven by changing customer expectations, emerging technologies, and country-level modernization programs. To this end, Deloitte Canada has embarked on a journey to understand the state of change within our local market, specific to the people implications that payments modernization is creating. Join us for a dynamic panel discussion that will explore how payments modernization is accelerating talent transformation across Canadian payments environments.

Contextual payments: The who, what and why of enabling business context in payments Thursday 11:00 - Thursday 12:00

201

Thursday 11:00 - Thursday 12:00

201

Balakrishnan Narasimhan

If context gives us direction and helps us decide what comes next, depending on the circumstances that surround information, data or demands, then why should it be any different for payments in general — banks in particular? This session, led by Bala Narasimhan of iGTB will discuss contextual payments, how, or even if legacy bank systems affect contextual payments, and how data-rich payments can change business operations.

Canadian PayTech report findings: A report card on Canada’s performance Thursday 11:00 - Thursday 12:00

206CD

Thursday 11:00 - Thursday 12:00

206CD

Laurence Cooke, Sue Britton

A short presentation of the highlights of the report, and a follow-on fireside chat about the Canadian PayTech report, touching on how many PayTechs there are in Canada, how other players like Tech Giants and Challenger Banks are entering Canada, and how Financial Institutions are both competing and working with them all and what this means for our economy.

The intersection of Fintech and policy Thursday 11:00 - Thursday 12:00

206AB

Thursday 11:00 - Thursday 12:00

206AB

Jaqueline Shinfield, Daniel Kornitzer, Scott Talbott, Deron Hicks

The marketplace for payments in Canada is changing. New technology is driving innovation to both products and services to help Canadian consumers make purchases. Various Canadian policymakers are considering proposals to adjust the policy landscape to reflect these changes. This panel will explore how policymakers should consider new payments technologies.

Lunch Thursday 11:30 - Thursday 1:00

Thursday 11:30 - Thursday 1:00

Refreshments and lunch will be served in the Interactive Zone

Best in Show Thursday 12:20 - Thursday 12:30

Startup Stage

Thursday 12:20 - Thursday 12:30

Startup Stage

The winner of the Lightning pitches will be announced!

The future of our industry Thursday 12:45 - Thursday 12:55

Main Stage

Thursday 12:45 - Thursday 12:55

Main Stage

Eileen Mercier

Tuning into the signal: Payments as data Thursday 12:55 - Thursday 1:10

Main Stage

Thursday 12:55 - Thursday 1:10

Main Stage

Alan McIntyre

The secular trend is that payment transactions in both the retail and corporate sectors will become free. In that challenging world, payment transactions will become a carrier wave for data and information products and services that will add value to the payment, extract insights from payment flows, and create new income streams for payment service providers. In this presentation Alan McIntyre will lay out a framework for understanding data-driven payments and how industry players need to navigate a challenging future landscape by going beyond the transaction.

Preparing for invisible payments Thursday 1:10 - Thursday 1:25

Main Stage

Thursday 1:10 - Thursday 1:25

Main Stage

Vivekanand Ramgopal

Canada's payments modernization journey is introducing a level of technical advancement and change we have not experienced before. The rise of AI, internet of things, blockchain based disintermediation, automation and smart systems is fundamentally redrawing the boundaries of payments, making them all pervasive. This session gives us a peek into the potential of overlay services that will redefine customer experience, embedding the payment into the journey and becoming so convenient to execute that the very act of making the payment becomes invisible.

A view from Europe: The impact of open-banking, PSD2, SEPA and Brexit Thursday 1:25 - Thursday 1:55

Main Stage

Thursday 1:25 - Thursday 1:55

Main Stage

Marjan Delatinne, Douwe Lycklama, Saskia Devolder

The European financial sector is experiencing massive positive transformational change. Open banking and PSD2 are fostering innovation, competition and efficiency to increase consumer choice and enhance security, SEPA is harmonizing cashless payments. How will Brexit impact all of these initiatives, and what does the future of money look like for Europe?

Trust Thursday 1:55 - Thursday 2:10

Main Stage

Thursday 1:55 - Thursday 2:10

Main Stage

Rod Garratt

Money cannot have value without trust. Trust in banknotes is established by security features that prevent counterfeiting and inflation policies that protect their value over time. When it comes to electronic money, like commercial bank deposits, we rely on institutions to keep accurate records of our accounts and remain solvent. Even new cryptocurrencies require us to trust that they are secure and cannot be hacked. How is trust in a medium of exchange established, who are the best stewards of this trust and what happens when it breaks down?

Closing remarks Thursday 2:10 - Thursday 2:20

Main Stage

Thursday 2:10 - Thursday 2:20

Main Stage

Justin Ferrabee

Thank you to our 2019 sponsors

Executive
IBM
Interac
TCS
Vocalink
Strategic
Accenture
SIA
Lead + Breakout
ACI Worldwide
American Express
Bank of Montreal
CDIC
Deloitte.
FSS
iGTB
JP Morgan
Paysafe
PwC
SAS
Swift
Visa
XMLdation
APP Sponsor
Temenos
Experience
ADP
Alogent
CardTronics
Digital Check
Entersekt
Everlink
Expertus
Finastra
FIS
Flinks
Hello Soda
Motion Pay
OTT PAY
Panini
Paymentsource
SiriusXM
Rogers
Seeburger
Trace Financial
Tradeshift
Unifits
Volante
WristCoin
Research Partners
CGI
EY
The Fletcher Group
Industry Partners
ACAPP
ALIPAY Canada
AT Kearney
Bennett Jones
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PMI Toronto Chapter
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