I call this meeting to order. This is meeting 21 of the Standing Committee on Finance.
Our orders of the day, pursuant to Standing Order 108(2), are for a study of emerging digital payment systems.
I want to welcome our guests here this afternoon. We're very pleased to have five presenters here this afternoon.
From the Canadian Bankers Association we have the vice-president, Mr. Darren Hannah. Welcome.
From the Financial Consumer Agency of Canada we have the commissioner, in her first appearance as commissioner before the committee, Ms. Lucie Tedesco. Welcome.
From the Retail Council of Canada we have Mr. David Wilkes, senior VP. Welcome to you as well.
From the Canadian Federation of Independent Business we have Ms. Corinne Pohlmann, the senior vice-president for national affairs.
From SecureKey Technologies Inc., we have the executive VP, Mr. Hugh Cumming. Thank you so much for being with us.
You each have five minutes for an opening statement, and then we'll have questions from members. We'll proceed in the order given, and we'll start with Mr. Hannah, please.