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… as Canada's payments ecosystem modernizes using ISO standards. The modernization effort currently underway will again foster innovation based on global standards, increasing interoperability, speed and … types originating in Canada based on interoperability standards can't be commercialized in other markets. So why …

… explored a few different areas like proxy identifiers, API standardization, real-time, ISO, the whole shebang, looking … We went for service availability and we went for API standardization and API enablement for payments and that was … versus others, a really big shift and there wasn't really a standard control from a fraud perspective. And that's a …

… that system? Anne Butler: So competitors can build to those standards, they understand the rules of the game, and that … and I think that's the other part of the international standards and the way that regulators approach it in Canada … and interoperable. And things like using common messaging standards like ISO 20022, and common rules frameworks at the …