Industrie des paiements

On February 17, 2026, the Bank of Canada did something it had never done before under the newly enacted Retail Payment Activities Act. It issued an immediate compliance order against XTM Inc., ordering the company and its affiliated entities, including the AnyDay platform, to cease all payment activity, effective immediately.

Payments don’t get to have “off hours.” When a payment system goes down, business doesn’t pause politely and wait for it to come back. Payroll still needs to run, vendors still expect to be paid, and customers still assume their money will move when it’s supposed to.

For a long time, enterprise payments involved a pretty familiar trade-off. Banks offered security, safeguards, and regulatory comfort, but moving money through them could be slow and inflexible. 

Every year, large sums of money intended for disaster relief, public benefits, and community programs fail to reach the people they’re meant to support, undermining trust in the organizations running the programs.

Every time money moves - whether it’s loading a payroll card, topping up a digital wallet, or sending an instant payout - there’s a quiet workhorse operating in the background. It’s called the Demand Deposit Account (DDA). 

Gift cards have long played a central role in shopping center strategies. They attract new customers, encourage cross-store spending, and provide a simple solution for gift-givers.

A leading national tax preparation services company wanted to improve how it delivered refunds to clients.

À chaque défilement sur leur téléphone, les consommateurs passent devant un flou de promotions, d'offres et de publicités alors que chaque marque réclame d'être remarquée.

Le marché canadien des télécommunications est bondé, et les clients le savent. Avec trois acteurs majeurs et un nombre croissant de perturbateurs à faible coût, la lutte pour la part de marché est implacable. Les promotions sont partout et le défi consiste à gagner cette fidélité difficile à obtenir.

Les entreprises cherchent des moyens d'offrir des fonctionnalités financières qui permettent aux clients de rester engagés, d'assurer la fluidité des transactions et d'ouvrir de nouvelles sources de revenus. Il n'y a pas que les fintechs : les compagnies d'assurance, les détaillants, les gestionnaires de patrimoine et même les organismes sans but lucratif interviennent tous dans le domaine.