I call this meeting to order. This is meeting 22 of the Standing Committee on Finance.
I want to welcome all of our guests who have joined us here this afternoon. Thank you so much for being with us.
Our orders of the day, pursuant to Standing Order 108(2), are for our continuing study of emerging digital payments systems.
We have five witnesses here this afternoon. First of all, from BlackBerry, we have the senior director, product management, mobile payments, Mr. Frank Maduri; from the Canadian Payments Association we have the president and CEO, Mr. Gerry Gaetz; from the Canadian Wireless Telecommunications Association we have the director of regulatory affairs, Mr. Kurt Eby; from Flow Inc. we have the CEO, Ms. Amy ter Haar; and from Interac Association we have the head of external affairs, enterprise strategy, Ms. Caroline Hubberstey.
Welcome to the committee, and thank you so much for being with us. You will each have five minutes for an opening statement, and then we will have questions from members.
We'll start with Mr. Maduri, please.