Welcome to Payments Perspectives - a series of articles authored by individual staff members from Payments Canada and guest contributors, that cover a range of payments-related topics and issues. The series also welcomes and encourages you, the reader, to submit comments and suggestions on ideas put forward in this series to help shape and progress the discussion. 

Please contact research@payments.ca if you have any questions or if you would like to contribute to our series.

DISCLAIMER: Articles are written to reflect the interests and views of the author(s), and are not intended as an official Payments Canada statement or position. Furthermore, all commentary will be moderated and reviewed before posting and will be subject to standard community rules and guidelines.