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Canada
Joined February 2019
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Payments Canada: 52% of Canadians find real-time payments appealing. The Real-Time Rail is still forthcoming for Q4 2026.
A faster rail cannot clear a funding condition or verify a changed account. Measure the gap between "ready to fund" and confirmed.
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About 45,000 mortgages in arrears, barely changed. The balances behind them: $12.1B, up from $10.8B a year ago.
That is loan principal still outstanding, not missed payments.
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The Fed's two stablecoin proposals are not final rules. They are a 60-day comment window on reserves, capital, and who owns the reconciliation when an instruction fails.
A token is not a compliance program.
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BMO, CIBC, National Bank, RBC, Scotiabank and TD are exploring tokenized deposits. No platform, no launch date, no open access.
Faster money will not close an open funding condition.
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Wise is not a bank and not a CDIC member. Its new Canadian chequing account still takes the direct deposit and the bills.
A borrower can keep their mortgage with you and still bank somewhere else.
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The largest fintechs are either buying banks or applying to become one, and the OCC is letting them queue. Sponsor-bank concentration risk just got real.
We wrote up the full analysis of what Chime's $590M Stride acquisition means for the sponsor-bank model, product velocity, and lending economics. blog.fundmore.ai/chime-strid…
Canadian banks just got a crypto capital rulebook while US peers are still improvising.
That was one item in OSFI's Sept 10 release. CAR 2027, B-12, a frontier-AI threat brief and the Regulatory Data Hub landed the same day.
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Bank of Canada held at 2.25% for the seventh straight meeting, and told lenders inflation risk is rising. Oil and counter-tariffs, not services. Every 2027 origination plan built on a rate-cut cycle is now the bull case, not the base case.
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Every Canadian bank beat estimates last week.
RBC record $6B. TD record $4.7B adj. CIBC +15%. Scotia, National, BMO all beat.
Three questions for the Canadian lending exec table this fall: hubs.li/Q04wv1fZ0
Two Canadian financial data points landed within 24 hours of each other last week. Read side by side, they say more than either does alone.
Learn more: hubs.li/Q04vDKKq0
Do your fraud controls run in real time, or in an overnight batch you'd rather not talk about?
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PwC surveyed 1,004 US financial services leaders on AI and workforce planning. It's the most candid Big Four survey I've read this year, and the numbers are worth walking your executive team through.
The full breakdown is here: hubs.li/Q04sJMbv0
What six months of AI did to our CEO's calendar. Watch the full episode: hubs.li/Q04sq-sM0
A US$44B spend platform looked at every English-speaking G7 market and picked ours.
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Tomorrow at 9am ET on The Signal, our CEO Chris Grimes and Reuven Gorsht from Deeded get into what changes when AI stops being the thing that does your work and becomes the thing that argues with it.
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Saving an hour is a refund. Reinvesting it is leverage.
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Seven months ago, FundMore co-founder and CEO Chris Grimes set out to make our company truly AI-first.
Read Chris Grimes' full breakdown to see how FundMore is putting this into practice.
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MPC's 2026 consumer survey shows broker channel share at 38% overall and 48% for first-time buyers. "Best rate" is still the top reason, but it's down 5 points. "Help me understand my options" is up 14 among first-timers.
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