Canadian Finance News

Gary Schwartz

Canadian Lenders Association

The Tariff Is Becoming a Small-Business Cash-Flow Problem

The Tariff Is Becoming a Small-Business Cash-Flow Problem Abstract: Most Canadian small and medium-sized businesses do not experience a tariff as trade policy. They experience it as a cash-flow problem. The federal government’s new $7.5 billion support package recognizes that trade disruption moves quickly from the border to the balance sheet. The priority now is […]

SMB Finance

Gary Schwartz

Canadian Lenders Association

The Role of SIN: Canada’s Identity Problem Is Getting Harder to Ignore

The Role of SIN: Canada’s Identity Problem Is Getting Harder to Ignore Today’s Canadian Lenders Association Risk Roundtable gathered more than 50 companies from across the risk spectrum, including banks, non-bank lenders, credit bureaus, fintechs, fraud and identity specialists, and technology providers. One issue kept returning to the centre of the conversation: identity. At a […]

Identification & Finance

Gary Schwartz

Canadian Lenders Association

The Tariff Is Becoming a Credit Event

The Tariff Is Becoming a Credit Event Abstract: Most Canadians do not experience the price of a vehicle as a cash purchase. They experience it as a monthly payment. As the latest breakdown in Canada-U.S. trade negotiations puts automotive tariffs back at the centre of the economic debate, most attention is focused on manufacturing, supply […]

Automotive Finance

Gary Schwartz

Canadian Lenders Association

The Moment of Intent Is Up for Grabs

The Moment of Intent Is Up for Grabs Abstract: Lenders may not need more leads. They need to do a better job converting the borrowers already showing intent. As consumer-driven banking makes financial data more portable and AI makes borrower engagement more intelligent and immediate, competitive advantage is shifting from simply owning customer data to […]

Acquisition & Finance

Gary Schwartz

Canadian Lenders Association

Zen and the Art of Open Banking

Zen and the Art of Open Banking: From Policy to Plumbing Abstract: Zen and the Art of Open Banking argues that Canada has moved beyond debating the concept of consumer-driven banking and is now entering the harder implementation phase. The technical foundations and policy framework are largely taking shape, but the success of the system […]

Open Banking

Giovanni oppenheim

Earnix

Advice from Pricing Experts: 6 Key Insights

Advice from Pricing Experts: 6 Questions Every Canadian Auto Lender Should Be Asking Right Now Abstract: Pricing has become a critical competitive advantage in Canadian auto lending as lenders contend with elevated vehicle prices, affordability pressures, changing funding costs, tighter margins, regulatory scrutiny and the growth of digital lending channels. Although most institutions possess substantial […]

Automotive Finance

Tejas (Teyjes) Virmani

diaxta

Approvals That Never Fund

Approvals That Never Fund Abstract: Many approved credit deals fail to fund not because a competitor offered a better rate, but because the file was not ready to move quickly after approval. Missing or unresolved items—such as employment verification, insurance documentation, or seller confirmation—create delays while a competing lender advances directly to documents and funding. […]

Data & Finance

Priyanka Correia

Loans Canada

The Strongest-Looking Applicant Isn’t the One Who Funds

The Strongest-Looking Applicant Isn’t the One Who Funds Abstract: The analysis argues that the “best-looking” personal loan applicant is often not the applicant most likely to fund. Based on roughly 500,000 non-bank personal loan applications in Canada from early 2026, the data shows that lenders and marketers should optimize for fundability, not surface-level borrower strength. […]

Data & Finance

Gary Schwartz

Canadian Lenders Association

Banking on Belief: Faith-Based Lending in Canada

Banking on Belief: Faith-Based Lending in Canada Abstract: Our Canada’s financial system can exclude Canadians whose religious commitments require different credit structures. The article discusses faith-based lending as a practical form of financial inclusion, showing how halal finance, Jewish free-loan societies, and Christian stewardship-based lending each offer distinct ways to align capital with conscience, community, […]

Global Finance

Gary Schwartz

Canadian Lenders Association

Canada Needs More Banking?

Canada Needs More Banking? An OFSI Story. Abstract: Canada’s banking system has earned its reputation for stability, strong supervision and resilience, but that same cautious model has also limited competition and made it difficult for credible new entrants to move into the regulated banking system. OSFI’s streamlined approvals framework is important because it offers a […]

Next-Gen Banking

Eva Kellershof

NETSOL Technologies

Auto fraud in Canada is winning. It’s time to fight back smarter.

Auto fraud in Canada is winning. It’s time to fight back smarter.   Abstract: Automotive fraud in Canada has moved from an operational problem to a systemic threat, driven by synthetic identities, AI-generated documents, credit washing, dealer-network vulnerabilities and increasingly organized cross-border fraud. As fraudsters weaponize the same technologies lenders use to modernize, static rules-based […]

Fraud & Finance

Brent Reynolds

Payson Solutions

Preparing for the Downturn

Preparing for the Downturn Abstract: In this panel on credit risk, lending strategy, and preparing for a potential downturn, Brent Reynolds (CEO & Founder, Payson) moderated a discussion with Eric Walker (VP, Retail Risk Credit Strategy, RBC), Richard Goyder (Chief Credit Risk Officer, Neo Financial), and Jeanot Dawson (CEO, Karoo) on how lenders should think […]

Event Insights

Michael Garrity

Financeit

Banking, Disguised

Banking, Disguised Abstract: In this panel on embedded finance, embedded financial services, and the evolving fight for distribution, Michael Garrity (Chairperson, Financeit) moderated a discussion with Derek Szeto (CEO, Walnut), Scott Elliot (CEO, Slate), and Simon Bourgeois (CEO, Nmbr) on what happens when financial products are placed directly inside the platforms, workflows, and customer journeys […]

Event Insights

Parna Sabet-Stephenson

Gowling WLG

Partnership Behind the Product

Partnership Behind the Product Abstract: In this panel on fintech partnerships, embedded infrastructure, and the operating models behind financial innovation, Parna Sabet-Stephenson (Partner, Gowlings) moderated a discussion with Pamela Draper (President, Digital Commerce Bank), Jason Young (Chief Legal Officer, Peoples Group), and Saud Aziz (Co-Founder, Venn) on what really sits behind the products customers see. […]

Event Insights

Vladimir Shatiryan

Blakes

The Battle of the Rails

The Battle of the Rails Abstract: In this panel on stablecoins, real-time payments, tokenization, and the future of financial infrastructure, Vladimir Shatiryan (Partner, Blakes) moderated a discussion with Avinash Chidambaram (CEO, Cybrid), Brian Ford (VP, Business Solutions, ATB), and Jason Tong (CSO, Paytrie) on whether Canada’s Real-Time Rail will define the next generation of payments […]

Event Insights

Cihan Tuncay

Galata Advisors Inc.

Deal Makers

Deal Makers Abstract: In this panel on M&A, capital markets, cross-border growth, and strategic transactions, Cihan Tuncay (Managing Director, Galata Advisors) moderated a discussion with Lawrence Krimker (CEO, ECN Capital), David Taylor (Founder & President, VersaBank), and Sheldon Saidakovsky (Founder & CFO, Propel Holdings) on what it takes to buy, sell, finance, and scale financial […]

Event Insights

Chris Pornaras

Fortiro

Trust, Verified

Trust, Verified Abstract: In this panel on AI, identity, fraud prevention, and trust in financial services, Chris Pornaras (Special Advisor, Fortiro) moderated a discussion with Jose Israel Castro (Senior Manager, Facephi), Colin Smith (VP, Risk & Decision Science, Wealthsimple), and Kristin Milchanowski (Chief AI and Quantum Officer, BMO) on how fraud is shifting from breaking […]

Event Insights

Soups Ranjin

Sardine

The Rise of Agentic Fraud Ops

The Rise of Agentic Fraud Ops Abstract: In this keynote on the future of AI-enabled fraud and fraud prevention, Soups Ranjan (CEO, Sardine) explored how fraud is evolving as synthetic IDs, deepfakes, device manipulation, mule rings, and autonomous AI agents become more sophisticated. Drawing on Sardine’s work with banks, fintechs, payment processors, and digital-first businesses, […]

Event Insights

Darry White

BMO

Ambassador Wiseman and BMO CEO Darryl White: Don’t Waste the Crisis

Ambassador Wiseman & BMO CEO Darryl White: Canada’s Productivity Wake-Up Call Abstract: Ambassador Wiseman explains that Canada’s relationship with the United States remains vital, deeply integrated and economically significant, but Canada cannot rely on geography or historical ties alone. The current trade and tariff pressures as a wake-up call for Canada to improve productivity, invest […]

Politics and Finance

Kevin Chan

TransUnion

Going Beyond the Score

Going Beyond the Score Abstract: In this panel on the future of credit decisioning, Kevin Chan (CPO, TransUnion) moderated a discussion with Ardalan Shojaei (Chief Credit & Risk Officer, Fig), Becca Mintz (Managing Vice President, Capital One), and John Crum (VP Risk Management, Fairstone) on how lenders are moving beyond traditional credit scores to make […]

Event Insights

Som Seif

Purpose Unlimited

Canada’s Next Decade of Investing

Canada’s Next Decade of Investing Abstract: In this keynote on the future of financial services, Som Seif (Founder & CEO, Purpose Unlimited) challenged the industry to move beyond complacency, product silos, and “average economics” and instead rebuild around the customer. Seif argued that financial services has extraordinary scale, economics, and mission, but too often remains […]

Event Insights

Gary Schwartz

Canadian Lenders Association

A Better Framework for Dealer Risk in Auto Finance

A Better Framework for Dealer Risk in Auto Finance The op-ed argues that dealer financial health should be addressed through a prudent lender-control framework, not through shared dealer blacklists or informal market rumours. Gary Schwartz positions the issue as a governance, consumer protection, and operational resilience challenge for auto finance lenders. The article emphasizes that […]

Automotive Finance

Gary Schwartz

Canadian Lenders Association

It is time to modernize SIN use for credit verification.

Fraud Starts with Identity. So Should the Fix. It is time to modernize SIN use for credit verification. Abstract: Canada’s credit system is increasingly exposed to identity-based fraud because it was built to assess borrower behaviour, not to verify identity at the point of entry. The article argues that synthetic identities are being used to […]

Data & Finance

Gary Schwartz

Canadian Lenders Association

What Ottawa Can Learn from European Fintech

What Ottawa Can Learn from European Fintech How Europe spent a decade building the rails of modern finance while Canada is still debating the blueprint I just spent a week in Burgundy drinking far too much good Pinot Noir. Somewhere between the vineyards, I managed to have long lunches with friends working in banking and […]

Global Finance

Gary Schwartz

Canadian Lenders Association

When Banks Merge, Pay Becomes Policy

When Banks Merge, Pay Becomes Policy Why salary harmonization is the most underestimated risk in bank and credit union Last week, I spoke with a credit union working through the difficult post-M&A process of harmonizing salaries across multiple organizations. It is a complex exercise, and one that can make or break a deal that looks […]

Uncategorized

Gary Schwartz

Canadian Lenders Association

Kitchen Commerce: The New Battle for Home-Improvement Finance

Kitchen Commerce: The Battle for Home-Improvement Finance How embedded credit, dealer origination, and household stickiness are reshaping one of Canada’s most important lending markets Abstract: Canadian home-improvement finance is no longer mainly about the equipment installed in the home. It is about controlling the financing moment when a household must act quickly and decide how […]

Home Improvement

Rabbia Sarder

Aryza

From Email Chains to Real-Time Access in Canadian Private Lending

From Email Chains to Real-Time Access in Canadian Private Lending Abstract: As the Canadian private and alternative mortgage market continues to grow, lenders are facing a widening gap between modern borrower expectations and legacy servicing models built around email chains, PDFs, and manual follow-ups. In a market where speed, trust, and responsiveness are central to […]

Real Estate & Finance

Gary Schwartz

Canadian Lenders Association

From Kitwe to Lagos: Africa’s Financial Plumbing

From Kitwe to Lagos: Africa’s Financial Plumbing Why the next phase of African fintech will be defined by infrastructure, integration, and the movement of capital, identity, and talent across borders Abstract: Africa’s next technology opportunity is not simply more apps or more digital access. It is the infrastructure that allows money, identity, talent, and trade […]

Global Finance

Gary Schwartz

Canadian Lenders Association

Canada’s EV strategy ignores how Canadians use cars …

Canada’s EV strategy ignores how Canadians use cars Ottawa should formally define vehicle subscriptions in law, rather than forcing them into categories designed for ownership, leasing, or simple rentals. Published in The Hill Times | March 16, 2026 Abstract: The article argues that Canada’s EV strategy is too focused on manufacturing, trade, and infrastructure and […]

Automotive Finance

Apoorv Gupta

Roam

Assets to Intelligence: Rewriting the Economics of Fleet Finance

Assets to Intelligence: Rewriting the Economics of Fleet Finance Abstract: In this keynote, Apoorv Gupta (CEO, Roam) argued that commercial leasing is moving from fixed contracts built on historical averages to intelligent contracts powered by real-time vehicle data. Drawing on Roam’s own operating experience and internal fleet management platform, Gupta explored how electrification, software-defined vehicles, […]

Sarah Petryna

Dealertrack

Reading the Signals: How Early Data Is Reshaping Auto Finance Risk

Reading the Signals: How Early Data Is Reshaping Auto Finance Risk Abstract: In this keynote, Sarah Petryna (Senior Director, Product, Dealertrack) shared new Dealertrack analysis on how fraud in automotive finance increasingly comes down to the misappropriation of information—whether identity data, income details, housing costs, or other application elements. Drawing from the massive volume of […]

Event Insights

Gary Schwartz

Canadian Lenders Association

Financing Fraud: Fireside Chat with MPP Zee Hamid

Financing Fraud: Fireside Chat with MPP Zee Hamid Abstract: In this Canadian Lenders Association session, Gary Schwartz (President | CEO, Canadian Lenders Association) moderated a discussion with Honourable Zee Hamid (Associate Solicitor General of Ontario, with responsibility for Auto Theft and Bail Reform, Legislative Assembly of Ontario) on the growing sophistication of organized auto theft […]

Event Insights

David Fry

Paays

The Big Squeeze: Delinquencies, Losses & Portfolio Defense

The Big Squeeze: Delinquencies, Losses & Portfolio Defense Abstract: In this panel on fraud, credit risk, and collections in Canadian auto lending, David Fry (CEO, Paays) moderated a discussion with Stephen Dykau (CEO, Santander Consumer Canada), Andrew Mulroy (VP Operations, iA Auto Finance), and Paul Hunsley (Head, Automotive Finance, Eden Park) on how lenders are […]

Event Insights

Wilton Wong

VinFast

Residual Roulette: Financing EV When Values Won’t Sit Still

Residual Roulette: Financing EV When Values Won’t Sit Still Abstract: In this panel on EV residual value volatility, Daniel Ross (Industry Insights & Residual Value Strategy, Canadian Black Book) moderated a discussion with Scott Morrison (President, Nissan Canada Finance), Krishnan Mani (Head, Financial Services, Lucid Motors), and Wilton Wong (VP, Financial Services, VinFast) on whether […]

Event Insights

Marcos Lopez

Credit App

Synthetic IDs, Deepfakes and the Rise of Ghost Customers

Synthetic IDs, Deepfakes and the Rise of Ghost Customers Abstract: In this panel on fraud risk in Canadian auto lending, Marcos Lopez (CEO, Credit App) moderated a discussion with John Kontos (SVP & Head Auto Finance, Scotiabank), Chris Jepsen (Senior Product Manager, Equifax Canada), and Patrick Boudreau (Head, ID & Fraud, TransUnion) on how fraud […]

Event Insights

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Erin Maloney

CanCap Group

Metal to Metrics: Remarketing & Recovery Strategies

Metal to Metrics: Remarketing & Recovery Strategies Abstract: In this panel on recovery and remarketing strategy, Erin Maloney (Senior Director, Reservices, CanCap) moderated a discussion with Taylor Bursey (Director of Sales, Copart), Gerry Johnson (National Accounts, Canada Auctions), and Bryan McIntyre (Director, Commercial Sales, EBlock) on why the back office has become the front line […]

Event Insights

Gary Schwartz

Canadian Lenders Association

Identity Is the New Credit Score

Identity Is the New Credit Score As synthetic identity fraud grows, Canada must rethink how privacy, verification and access to credit fit together. Abstract: This op-ed argues that identity has become one of the most important weaknesses in Canada’s credit system. While lenders and credit bureaus are highly effective at measuring repayment behaviour, they remain […]

Identification & Finance

Gary Schwartz

Canadian Lenders Association

Stablecoins Are About to Matter to Canadian Lenders

Stablecoins Are About to Matter to Canadian Lenders Abstract: Our Crypto Roundtable argues that stablecoins are no longer a peripheral crypto story but an emerging piece of financial infrastructure with real relevance for the Canadian lending market. For the CLA community, their importance lies in two roles: as a new asset that may increasingly be […]

Crypto & Finance

Gary Schwartz

Canadian Lenders Association

Canada’s Shadow Credit Moment

Canada’s Shadow Credit Moment Abstract: My article argues that Canada’s credit system is no longer centred solely on banks, as private credit funds, fintech lenders and specialty finance firms now play an increasingly important role in financing consumers, small businesses and real estate. The real policy challenge is not the growth of non-bank credit itself, […]

SMB Finance

Jonah Chininga

Woveo

The Thin-File Entrepreneur

The Thin-File Entrepreneur Why Canada’s small-business credit system still struggles to recognize immigrant entrepreneurs Abstract: The Canada’s credit system often fails to recognize the credibility of immigrant entrepreneurs because traditional lending models rely heavily on domestic credit histories. As a result, many newcomers who arrive with substantial business experience are treated as “credit invisible,” making […]

SMB Finance

Gary Schwartz

Canadian Lenders Association

Fraud Starts with Identity. So Should the Fix.

Fraud Starts with Identity. So Should the Fix. It is time to modernize SIN use for credit verification. Abstract: Canada’s credit system was built to measure borrower behaviour, not to confirm identity, creating a vulnerability that organized fraud networks increasingly exploit through synthetic identities. Criminal groups are able to construct and nurture false identities over […]

Fraud & Finance

Bob Metodiev

Inovatec

Digital F&I: Omnichannel Journeys Dealers Actually Use

Digital F&I: Omnichannel Journeys Dealers Actually Use Abstract: In this Canadian Lenders Association session, Bob Metodiev (Head of Business Development, Inovatec) moderated a discussion with Dan Park (CEO, Clutch), Kevin Andrews (CEO | President, AUTO|ONE Group), and Nicholas Coatsworth (Co-Founder, Roam) on how automotive finance is shifting from digital tools as a simple lead generator […]

Event Insights

Jose Guido

Deloitte

Under the Microscope: AI Credit Decisioning

Under the Microscope: AI Credit Decisioning Abstract: In this panel moderated by Jose Guido (Senior Advisor, Credit Risk, Deloitte), leaders across the AI decisioning stack discussed how artificial intelligence is already influencing real credit decisions in automotive lending. Sarah Sun (Senior Director, Risk Modelling, RBC) brought the bank risk and regulatory perspective, Dinesh Mistry (SVP, […]

Event Insights

Danielle Butler

Blakes

Capital on the Road: Financing Canada’s Commercial Fleets

Capital on the Road: Financing Canada’s Commercial Fleets Abstract: In this panel on financing Canada’s commercial fleets, Danielle Butler (Blake, Cassels & Graydon LLP) moderated a discussion with Heather Heggy (Volvo Financial Services), Goetz Johanning (Daimler Truck Financial Services), and Heath Valkenburg (Element Fleet Management) on how fleet finance is evolving beyond traditional underwriting. The […]

AML & Finance

Carla Potter

Cassels

Capital Strategies: Who Funds the Auto Book Now?

Capital Strategies: Who’s Financing Canada’s Auto Market in 2026? Abstract: In the opening panel on capital strategies, Carla Potter (Cassels) moderated a discussion with Brian Walmsley (Sun Life), Ian Benaiah (RBC) , and Michael McGhee (TD) on the evolving landscape of auto finance. The panel explored whether capital providers are pulling back amid economic volatility, […]

Event Insights

Gary Schwartz

Canadian Lenders Association

Productivity, AI, and the Long Game for Canadian Lenders

Productivity, AI, and the Long Game for Canadian Lenders Abstract: A recent Economist podcast revisited John Maynard Keynes and his famous prediction of a 15-hour workweek to frame a timely question: is artificial intelligence already delivering a productivity boom? Despite solid U.S. GDP growth of 2.2 percent in 2025 alongside weak employment growth of just […]

AI & Finance

Gary Schwartz

Canadian Lenders Association

New Immigration Policy for New-to-Credit

New Immigration Policy for New-to-Credit Abstract: Canada’s immigration system is undergoing a structural reset: lower and more stable permanent resident targets, a reduction in temporary residents to below five percent of the population, sharper occupation-based Express Entry categories, tighter integrity controls, and faster processing for high-impact talent. For lenders, this shift moves the market from […]

New-to-Canada

Gary Schwartz

Canadian Lenders Association

Regulation as Infrastructure

Regulation as Infrastructure Abstract: As regulatory expectations intensify, fraud grows more sophisticated, and data governance standards tighten, regulatory technology has become foundational infrastructure for Canada’s financial system. The integration of the Canadian Regulatory Technology Association into the Canadian Lenders Association reflects a structural shift: compliance is no longer administrative overhead but embedded operating architecture. Under […]

RegTech and Finance

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Majid Mirza

ESGTree

ESG Is Dead. Long Live ESG

ESG Is Dead. Long Live ESG Abstract: The political brand of ESG may be fading, but the economic logic underpinning it is intensifying. For Canadian lenders, the question is no longer whether to embrace or reject ESG as a label, but how to operationalize environmental, social, and governance factors as measurable components of credit risk, […]

Risk & Finance

Gary Schwartz

Canadian Lenders Association

The Disappearing Car and the Fraud Ghost

The Disappearing Car and the Fraud Ghost Abstract: A 22% decline in auto theft in 2025 is encouraging, but it risks masking a more structural shift. As MPP Zee Hamid acknowledged, organized crime adapts and migrates toward the weakest link. As physical theft becomes harder, criminal networks are pivoting upstream into vehicle financing, using synthetic […]

Automotive Finance

Gary Schwartz

Canadian Lenders Association

2025 Mid-Market Lending: Growth & Repositioning

Is the steady-state borrower gone? Explore why private credit and judgment-based lending are reshaping the Canadian mid-market context in 2026. Discover how.

Mid-Market Lending

Gary Schwartz

Canadian Lenders Association

Ontario: Modern Rules for a Modern Economy

Ontario’s economy needs modern credit rules. Explore the CLA’s 2026 budget priorities on AI, AML, and the RSLA within the Canadian lending context.

Policy & Finance

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Alfonso Porceli

DoxAI

Preventing the Next Billion-Dollar Fraud in Canada

Fraud now costs Canadian businesses 7.2% of revenue. Learn how to counter synthetic identities and deepfakes within the Canadian lending context. Discover how.

Risk & Finance

Kanishka Khanna

Dilly Labs

Vendor Sprawl is quietly becoming a Regulatory Issue

Is your vendor list a regulatory liability? Explore how to manage third-party risk and "vendor sprawl" within the Canadian lending context. Discover how.

Marketing & Finance

Gary Schwartz

Canadian Lenders Association

Will Canada be awash with Chinese EVs?

Will 49,000 Chinese EVs disrupt Canadian residuals? Analyze the Carney-Xi trade deal within the Canadian lending context. Discover how to protect your portfolio.

Automotive Finance

Gary Schwartz

Canadian Lenders Association

What Trump Gets Wrong About Credit Cards

Will a 10% rate cap fix credit? Explore why interest rate ceilings drive borrower exclusion and hidden fees within the Canadian lending context.

Policy & Finance

Gary Schwartz

Canadian Lenders Association

2025: A Year of Automotive Fraud

Auto fraud surged 50% in 2025. Explore how identity orchestration and AI are reshaping the Canadian lending context. Read the full CEO report and discover how to adapt.

Automotive Finance

BNPL Roundtable

Canadian Lenders Association

2025: BNPL Myth Debunking

Is BNPL a debt trap or a budgeting tool? Debunk the 5 biggest myths with 2025/2026 market data, regulatory updates, and FICO research in the Canadian lending context.

BNPL & Finance

Jennifer Hutcheon

Vancity Community Investment Bank

Sustainable Returns: Investing in Canadian Municipalities

Climate resilience is now a B2B investment priority. Explore how municipal adaptation is becoming bankable in the Canadian lending context. Discover how.

Event Insights

Gary Schwartz

Canadian Lenders Association

A Grocer, a Challenger Bank, and the Future of Canadian Finance

EQB’s $800M acquisition of PC Financial is shifting the Canadian lending context toward embedded retail data. Discover how this deal redefines banking.

Next-Gen Banking

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Daniel William

EY Canada

Balancing the Books: Climate’s Impact on Financial Reporting

Climate reporting is moving from compliance to core strategy. Learn how to manage transition risk in the Canadian lending context. Discover how.

Policy & Finance

Gary Schwartz

Canadian Lenders Association

Open Banking in Canada: Lesson from Seeing Like a State

Canada’s 2026 open banking rollout must avoid "top-down" traps. Discover why the Carney government needs to see like a lender to succeed. Read more.

Open Banking

Boris Couteaux

ESG Global Advisors

Carney’s Long Game: Competitiveness as Climate Policy

Budget 2025 pivots Canada’s climate policy toward industrial competitiveness. Discover how $250B in clean growth and a new taxonomy impact lending.

Sustainable Finance

Gary Schwartz

Canadian Lenders Association

Carney’s Open Banking Strategy: The Missing Ingredient

Carney’s Open Banking Strategy: The Missing Ingredient   Abstract: Lots more Linkedin posts on open banking, a sure sign that Ottawa is at it again. Although it all seems very positive, I am concerned that the core issue of consumers sharing financial data remains unresolved. The country has never aligned on which use cases genuinely […]

Data & Finance

Gary Schwartz

Canadian Lenders Association

Bill 28: When Good Intentions Create Possible Friction, Fraud, and Fragmentation

BC’s Bill 28 risks fragmenting the Canadian lending context. Discover why the CLA is calling for consultation to prevent fraud and credit friction. Read more.

Data & Finance

Keith Hickey

Torwood Consulting

Why AI-Based Pricing Is Ready for Prime Time

Canadian auto lenders are facing a margin squeeze. Learn why AI-based pricing is the pragmatic fix to replace static rate sheets and protect dealer yield in 2026.

AI & Finance

Bobby Bedi

Factiiv

When AI Goes Wrong: Lessons from Klarna, Zillow, and Beyond

AI failures at Klarna and Zillow prove that automation without empathy is a risk. Discover why 2026 is the year of "Human-in-the-Loop" AI in Canadian finance.

AI & Finance

Hari Padmanabhan

Uncia

The Future of Lending Technology is Self-Serve 

Legacy systems are too slow for the 2026 market. Discover how self-serve lending technology empowers Canadian teams to launch products in days.

Data & Finance

Gary Schwartz

Canadian Lenders Association

Lending & Canada’s Climate Credibility Gap

Canada trails the G7 with only 5% of firms holding transition plans. Discover how policy gaps in 2026 are raising credit costs for Canadian lenders.

Sustainable Finance

Wilson Morton

Climative

Green Mortgages: Turning Climate Risk Into Portfolio Resilience

Climate risk is now credit risk. Discover how green mortgages in the Canadian lending context enhance portfolio resilience and borrower affordability.

Real Estate & Finance

Andrea Amaize

Forvis Mazars

Proportionality in Climate Risk Management for SMBs

SMSBs must file climate risk returns in 2026. Discover how to apply proportionality to OSFI and AMF mandates in the Canadian lending context.

Sustainable Finance

CLA Servicing Roundtable

Canadian Lenders Association

CLA’s Guide to Modern Collections Practices in Canada

The definitive 2026 guide to Canadian debt collection. Navigate PIPEDA, Quebec’s Law 25, BC’s Bill 28, and AI-driven recovery with DCA insights.

Loan Servicing

Andrei Poliakov

APX Lending

Crypto Lending’s Quiet Revolution

Crypto lending is hitting the Canadian mainstream. Discover how APX Lending’s 2025 CSA approval paved the way for a $1.5B regulated market by 2030.

Crypto & Finance

Vincent Ching

Aryza

Private Credit in Uncertain Times: From Risk to Resilience

Private credit is entering a higher-supply regime in 2026. Discover 4 strategies to move from reactive to proactive risk management using real-time data and automation.

Private Credit

Giovanni Oppenheim

Earnix

Pricing Analytics to Address Dealer Reserves and Affordability

Address dealer reserves and vehicle affordability in Canada using AI pricing analytics. Optimize margins and borrower access with data-driven insights. Discover how.

Automotive Finance

Gary Schwartz

Canadian Lenders Association

BNPL: Four Years of Growth

Analyze the growth of BNPL in the Canadian lending context. Understand the shift toward regulation, credit reporting, and sustainable funding models. Discover how.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

Fast Freeze: The Facts Behind Credit Freezes

Analyze the impact of Nova Scotia's credit freeze legislation on lenders. Learn why system readiness and clear regulations are vital for consumer protection.

Sustainable Finance

Gary Schwartz

Canadian Lenders Association

Big News: We are Harmonising Carbon (ISO–GHG Protocol Deal)

Streamline carbon accounting with the new ISO-GHG Protocol alignment. Master Scope 3 data and CSSB standards within the Canadian lending context. Discover how.

Policy & Finance

Lisa DeMarco

Resilient LLP

Directors Can’t Afford to Ignore Nature

Understand why nature-related risks are now a fiduciary mandate for Canadian directors. Learn to navigate NRR, TNFD, and CSDS 1/2 compliance.

Sustainable Finance

Matt Zipchen

Efficiency Capital

Retrofits: Energy as a Service (EAAS) is the Missing Link

Bridge the $70B annual retrofit gap with Energy as a Service (EaaS). Learn how performance-based models unlock capital and de-risk green building.

Home Improvement

Jeff Schwartz

Go Lime

Reinventing Home Services Finance

Explore how digital-first lending is reinventing the Canadian home services sector. Learn how to reduce fraud and build digital trust in 2026.

Home Improvement

Gary Schwartz

Canadian Lenders Association

Bill 72: Why Harmonization Across All Lenders Matters

Analyze the impact of Quebec’s Bill 72 on NSF fees. Discover why a harmonized $10 cap is essential for competition and financial inclusion in 2026.

Policy & Finance

Gajen Pararajalingam

Accept/Pay Global

What Lenders Expect from Payments Providers: A Data-Backed Look

Discover why Canadian lenders prioritize recurring payments and reporting over flashy APIs in 2026. Get data-backed insights on processor selection.

Payment & Finance

Becky Park-Romanovsky

Toronto Climate Week (TOCW)

The Power of People in Canadian Finance: Toronto’s Climate Week and Community Leadership

Explore Toronto’s rise as a global climate finance hub. Learn why enforceable taxonomies and disclosures are vital for Canadian lenders in 2026.

Sustainable Finance

Gary Schwartz

Canadian Lenders Association

Landmark Opinion impacting Sustainable Finance 

Understand why ignoring nature-related risks (NRR) may now breach Canadian fiduciary duties. Align with CBCA and TNFD standards to protect your board.

Sustainable Finance

Gary Schwartz

Canadian Lenders Association

Networking by Numbers

Master the math of professional networking in the Canadian lending sector. Use Dunbar’s Number to build high-trust relationships and close deals.

Event Insights

Gary Schwartz

Canadian Lenders Association

Rethink Risk: Home Assessments & Lending

Analyze how climate exposure is reshaping Canadian home appraisals and mortgage risk. Integrate AVMs and environmental data into your 2026 lending strategy. Discover how.

Home Improvement

Gary Schwartz

Canadian Lenders Association

Mind the Credit Gap on BNPLs

Bridge the BNPL credit gap in Canada. Learn how FICO 10 BNPL and new Equifax reporting standards impact credit inclusion for thin-file borrowers in 2026.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

Brussels, A Greener Partner?

Explore how Canada’s alignment with EU sustainable finance and digital trade standards is reshaping 2026 banking and fintech. Stay ahead of the shift.

Sustainable Finance

Gary Schwartz

Canadian Lenders Association

Canada Backing Crypto-Backed Lending?

Bridge the gap in Canada's crypto-collateral laws. Learn how updated PPSA standards and the 2026 Stablecoin Act are shaping the future of digital asset lending.

Crypto & Finance

Gary Schwartz

Canadian Lenders Association

Flin Flon to Finance: A Sustainable Future Demands Action

Gary Schwartz calls for an enforceable national taxonomy and mandatory climate disclosures in 2026. Join the CLA’s Sustainable Finance Summit to build a resilient future.

Sustainable Finance

Gary Schwartz

Canadian Lenders Association

Ontario Modernizes Credit Disclosure: A Win for Consumers and the Lending Industry

Ontario’s Bill 46 streamlines credit reporting by removing outdated email disclosure rules. Learn how this 2026 regulatory update benefits both lenders and consumers.

Data & Finance

Hanif Joshaghani

Symend

Why Embedded Insurance is Having a Moment

Explore how FIG, Telus, and Symend are using embedded insurance to mitigate 2026 delinquency risks and build consumer resilience.

Event Insights

Lipika Sahoo

TD

Speed Limits: Balancing Marketing Automation with Compliance

Balancing speed and strategy: How Canadian banks use modularity and shared data models to automate personalized marketing within 2026 OSFI E-23 guardrails.

Event Insights

Timothy Morris

Neo Financial

Affinity and Beyond: Rewards and Loyalty Programs

From BMO’s Blue Rewards launch to Open Banking APIs, explore how 2026 is redefining loyalty across the entire Canadian financial ecosystem. Discover how.

Event Insights

Janet Lin

EQ Bank

Beyond Buzz: AI Use-Cases in Banking & Payments

From Generative to Agentic AI: Explore how 2026's open banking data is fueling automated, personalized financial services in Canada. Discover how.

AI & Finance

Alexis Levine

Blakes

Post-Election Pulse: 2025 Briefing

From rate cap reversals to infrastructure spending: Analyze how PM Mark Carney’s 2026 technocratic mandate is reshaping Canadian lending policy.

Policy & Finance

Rob Khazzam

Float

Are Fintechs Winning Canada’s Business Banking Race?

Float and Keep are now scaling past 6,000+ customers each. Discover how the 2026 Open Banking rollout is fueling the race for Canada's $77B fintech market. Read the analysis.

Event Insights

William Keliehor

Peoples Group

Fueling Fintechs: The Hidden Opportunity for Canadian Banks

With RTR entering its 2026 launch window and the Bank of Canada assuming oversight of 3,500+ PSPs, the infrastructure for a data-rich Canadian economy is finally here.

Event Insights

Dan Park

Clutch

Embedding Finance: Auto, Home and Travel

Explore how Clutch, Financeit, and FlexPay are navigating the 2026 shift toward open banking and real-time rails to solve negative equity and legacy friction. Read the panel insights.

Embedded Finance

The Hon. Victor Fedeli

Ontario Government

Victor Fedeli: On Trump & Trade

Minister Vic Fedeli outlines Ontario’s strategy to counter 2026 U.S. trade volatility through $23B in interprovincial growth and "One Project, One Process" mining reforms. Read the transcript.

Event Insights

Daniel Goldstone

Rangeteller

The Opacity Problem: Why Black Box Loan Decisioning Is Failing Lenders

RangeTeller’s "glass box" model is driving 60% higher profitability while meeting Canada’s new 2026 AI governance standards. Explore the shift to explainable credit. Read the full briefing.

AI & Finance

Taryn Mason

Questrade

David Becoming Goliath: Questrade and Wealthsimple Reinventing Banking

With the 2026 launch of Questbank and Wealthsimple’s direct Bank of Canada settlement access, the duopoly of digital-first finance is here. Explore the 2026 shift.

Event Insights

Scott Wood

Fairstone Bank

Scott Wood: The New Banker’s Playbook

Fairstone Bank CEO Scott Wood discusses the 2026 milestone of 100 years, the Home Trust integration, and navigating the 35% APR cap. Read the fireside chat.

Data & Finance

Lucas Matheson

Coinbase Canada

Stablecoins in Canada: The Opportunity

With the 2026 Stablecoin Act and the landmark launch of QCAD, Canada is moving stablecoins from "securities" to "payments." Explore the 2026 roadmap for machine-speed dollars.

Crypto & Finance

Thomas Purves

LaHave

Partying like it’s 2015: Banking Innovation

Tom Purves breaks down the 2026 "time warp" in Canadian banking. While RTR enters industry testing, San Francisco’s "agentic commerce" is already automating the checkout. Read the analysis.

Next-Gen Banking

Dean Velentzas

Canadian Lenders Association

Ontario Budget 2025: What the Industry Needs to Know

Analyze the 2025 Ontario Budget’s shift toward insurance reform, credit union capital, and VC investment in the Canadian lending context. Discover how these updates impact your firm.

Fintech Startups

Shaye Wali

Baseline

Three Emerging Trends in U.S. Private Lending That Canada Should Be Watching

Explore how U.S. trends in aggregators, rated securitization, and AI are reshaping the 2026 lending landscape in the Canadian lending context. Discover how to adapt.

Real Estate & Finance

Sacha Mamontow

Transunion

Why Lenders Are Rethinking Risk in 2025

Explore TransUnion’s 2026 insights on rising delinquencies, immigration impacts, and fraud trends in the Canadian lending context. See how to mitigate risk.

Automotive Finance

Jay Krushell

Treefort

Private Sector Fraud Intel Sharing Legalized — Now What?

Explore how 2026 PCMLTFA amendments enable private-sector fraud intel sharing in the Canadian lending context. Discover how to build a compliant Code of Practice.

Data & Finance

Gary Schwartz

Canadian Lenders Association

A Nail-Biting Campaign: Carney Saves, Poilievre Penalized

Analyze PM Mark Carney’s 2026 priorities, from mortgage market reviews to GST cuts and MURB incentives in the Canadian lending context. Discover the roadmap.

Policy & Finance

Dean Velentzas

Canadian Lenders Association

As Canadians Vote, Financial Innovation Hangs in the Balance

Analyze how the Carney government is accelerating open banking and AML reform in the 2026 Canadian lending context. Discover what’s next for innovation.

Policy & Finance

Andrea Amaize

Forvis Mazars

B-15 Update: More Than a Compliance Obligation

Analyze OSFI’s Guideline B-15 and the 2028 Scope 3 deadline in the 2026 Canadian lending context. Discover how to leverage climate risk for long-term value.

Policy & Finance

Abdullah Choudhry

Arbor

Greenwashing: Lessons Learned from Europe

Analyze the EBA’s greenwashing report and Canada’s Bill C-59 enforcement in the 2026 Canadian lending context. See how to mitigate ESG risk. Read more.

Policy & Finance

Rondev Bhattacharya

Payments Canada

How Canada’s Evolving Payment Landscape Will Impact Lenders

Analyze the impact of ISO 20022 and Payments Canada’s Rule H6 updates in the 2026 Canadian lending context. Discover how real-time data lowers risk. Read more.

Payment & Finance

Gary Schwartz

Canadian Lenders Association

OSFI’s Risk Outlook: Comparing 2022 – 2026

Compare OSFI’s risk priorities from 2022 to 2026. Explore the 2026 focus on AI fraud, wholesale credit, and mortgage renewal risks in the Canadian lending context.

Risk & Finance

Seun Sanni

Payfi

Protecting Canadian Renters

Explore the surge in AI-powered rental scams and the 2026 data security mandate for Canadian tenants. Discover why third-party verification is the new standard. Read more.

Data & Finance

Gary Schwartz

Canadian Lenders Association

Canada’s New AML Rules for Lenders

Explore the impact of the April 2025 PCMLTFA amendments on auto and equipment lenders in 2026. Discover FINTRAC’s outreach year and the new $100k threshold. Read more.

AML & Finance

Andrea Amaize

Forvis Mazars

The Imperative of Tackling Financed Emissions

Analyze the 2026 landscape for financed emissions, OSFI B-15 delays, and the new PCAF standards in the Canadian lending context. Discover the 2026 taxonomy. Read more.

Sustainable Finance

G

Gary Schwartz

Canadian Lenders Association

Pivoting: A Startup’s Superpower

Analyze why Canadian fintechs like Borrowell and Yield Exchange are pivoting toward infrastructure and AI in 2026. Discover the "Startup Superpower." Read more.

Fintech Startups

Michael Scotland

Eden Park

Underwriting Automotive: Risk and Decisioning

Analyze 2026 auto lending trends, including Hyundai Capital’s 85% automation rate, the end of federal iZEV rebates, and new AI-driven fraud detection. Read more.

Automotive Finance

Brendan Dineen

iA Group

On the Auction Block: The Remarketing Dilemma

Analyze 2026 auto remarketing trends: 35% U.S. tariffs, a 400,000-unit off-lease surge, and the impact of 1.54% delinquency rates on Canadian lender recoveries. Read more.

Automotive Finance

Alain Henry

Scotia Dealer Advantage Inc

Auto Finance 2.0: Is the Pie Big Enough For All?

Explore the 2026 auto finance landscape: How Canada’s Open Banking launch and $10B in AI-driven fraud exposure are forcing bank-fintech partnerships. Read more

Automotive Finance

Zyra Pangilinan

RBC

Identity-first Lending: Who is behind the wheel?

Explore the 2026 shift to Identity-First Lending. Discover how Pioneer Auto Group saved $350k and why RBC’s Fraud Task Force is mandating upfront IDV to combat $10B in fraud. Read more.

Automotive Finance

Steven Phillips

Co-operators

Revving Up Coverage: OEMs and Embedded Insurance

Analyze 2026 auto insurance trends: Ontario’s SABS reforms, the 35% growth in embedded models, and how 2026 telematics data is slashing premiums by 15%. Read more.

Automotive Finance

John Kontos

Scotiabank

Fraud: ’24 Learnings ’25 Solutions

Analyze 2026 auto fraud trends, including the $10B industry exposure and new FINTRAC AML compliance mandates for Canadian dealerships and leasing firms. Read more.

Automotive Finance

John Hiscock

Scotiabank

Macro Shocks: Trump Tariffs, Interest Rates & Political Uncertainty

Analyze Canada’s 2026 economic reality: 25% auto tariffs, GM layoffs, and the IMF’s 7% GDP roadmap for eliminating interprovincial trade barriers. Read more.

Automotive Finance

Scott Morrison

Nissan Canada Finance

Digital Dealers: Financing in the Age of Online Car Sales

Explore the 2026 digital car sales landscape: How Canada’s new Consumer-Driven Banking Act and $36,730 average used prices are reshaping omnichannel retail. Read more.

Automotive Finance

Gary Schwartz

Canadian Lenders Association

The Auto Finance 2025 Playbook

Analyze 2026 auto lending mandates: The $10B fraud crisis, mandatory FINTRAC compliance for dealers, and Ontario’s July 2026 Consumer Protection Act transition. Read more.

Automotive Finance

Gary Schwartz

Canadian Lenders Association

Trudeau Out, Trump In: Sustainable Finance?

Analyze 2026’s sustainable finance pivot: The "Big Five" bank exit from NZBA, PM Carney’s focus on LNG, and why climate risk is now a bottom-line mandate, not a policy one. Read more.

Sustainable Finance

Gary Schwartz

Canadian Lenders Association

A Case for Clarity in the Repair & Storage Liens Act (RSLA)

Analyze the 2026 push to modernize Ontario’s Repair and Storage Liens Act. Discover why distinguishing essential repairs is critical for the 2026 Provincial Budget. Read more.

Automotive Finance

Gary Schwartz

Canadian Lenders Association

A Very British Scandal: The Hidden Costs of Car Loans

Analyze the January 2026 status of the UK car finance scandal: The FCA's £11B redress scheme, the Supreme Court's "Unfair Relationship" standard, and lessons for Canadian lenders. Read more.

Automotive Finance

Steve Dobrenski

Naehas

Accelerating Value in Canadian Lending

Analyze the 2026 launch of Canada's Consumer-Driven Banking framework and why AI-powered offer management is now mandatory for lenders to survive the $18.4B alternative credit market. Read more.

Loan Servicing

Pamela Dodaro

TransUnion

Risk and Reward: The Growth of Card Programs

Analyze 2026 credit card trends: The 1.25% interchange cap impact, the rise of agentic commerce, and how Neo and Tangerine use AI to fight 2026 fraud. Read more.

Event Insights

Andrei Poliakov

APX Lending

Crypto-Lending in 2024: A Rally to Remember

Analyze the 2026 crypto lending landscape: The activation of the U.S. Strategic Bitcoin Reserve, Bitcoin's $120K+ CAD valuation, and APX Lending’s CSA-regulated milestone in Canada. Read more.

Crypto & Finance

Gary Schwartz

Canadian Lenders Association

OSFI B-15: Implications for SMB & CPA Practices

Navigate OSFI B-15 in 2026. See how new climate risk returns impact SMB loan terms, insurance pricing, and CPA advisory roles across Canada. Discover how.

Non-Prime Finance

Jason Mullins

goeasy

Easy Does It: Jason Mullins Shares Lessons Learned

Analyze the 2026 leadership transition at goeasy: Jason Mullins' move to Forward Financing, the appointment of Patrick Ens as CEO, and the ongoing fight for credit access under the 35% APR cap. Read more.

Non-Prime Finance

Gary Schwartz

Canadian Lenders Association

The Fall Economic Statement: Positively Uncertain

Analyze Canada’s 2026 financial status: The transition from the 2024 FES to the Carney government’s Consumer-Driven Banking Act, and the Q3 launch of the Real-Time Rail. Read more.

Policy & Finance

Akash Goyal

Ventum Financial

Raising Credit Facilities as Rates are in Flux

Analyze 2026 credit facility strategies: The Bank of Canada’s 2.25% hold, private credit growth, and why NIM compression is the top lender priority. Read more.

Event Insights

Karim Nanji

Inverité

How to Compete for and Win High-Quality Leads

Analyze 2026's shift to AI-driven lead generation. Discover how Canadian lenders use GEO and intent-based modeling to win in a zero-click market. Read more.

Equipment Finance

Brent Reynolds

Payson

Credit Modelling 101: Credit Where Credit’s Due

Analyze 2026 credit modeling trends: How Canada’s Consumer-Driven Banking Act and AI are unlocking the "Invisible Prime" for lenders. Read more.

Event Insights

Daniel Resnick

KPMG

Cover Your Assets: A New Look at Creditor Insurance

Analyze 2026's creditor insurance landscape: The impact of BC’s new RIA licensing, the 22% surge in policy enrollments, and AI-driven claims processing. Read more

Event Insights

Matt Connors

Borden Ladner Gervais LLP

Regulatory Rundown: RPAA, Rate Cap, AML, Open Banking

Analyze 2026's regulatory shifts: RPAA operational deadlines, FINTRAC’s leasing expansion, and the Bank of Canada’s new role in Open Banking. Read more.

Event Insights

Tal Schwartz

Exit North Ventures

Everything You Always Wanted to Know About AI (But Were Afraid to Ask)

Analyze 2026 AI trends: TD’s Layer 6 generative assistants, the rise of agentic banking, and navigating the new Minister of AI’s governance codes. Read more.

AI & Finance

Christopher Zaki

MPOWER

Credit Beyond Borders: How to Underwrite Newcomers to Canada

Unlock growth in the 2026 newcomer segment. Leverage cross-border data and Open Banking to underwrite Canada’s fast-tracked permanent residents. Discover how.

Event Insights

Wayne Pommen

Affirm

Clicks to Commerce: The Future of POS Lending

Scale your retail strategy with 2026 POS lending insights. Learn how Open Banking and new BNPL regulations are reshaping the Canadian lending context. Discover how.

Event Insights

Jonathan Fleisher

Cassels LLP

Auto Correct: Where should Automotive Lenders be Investing in 2025?

Navigate the 2026 Canadian auto lending landscape. Mitigate rising fraud and "re-vinning" risks with AI-driven underwriting and stronger dealer-lender synergy. Discover how.

Automotive Finance

Tal Schwartz

North Exit Ventures

How to Exit in the North: Discussing Fintech Funding in Canada

Master the Canadian fintech funding landscape. Learn how to navigate exits, raise capital, and build resilience in the Canadian lending context. Discover how.

Event Insights

Kris Hansen

Sagard

Borrowing in the Background: The Age of Embedded Credit

Explore the future of embedded credit in Canada. Learn how strategic fintech partnerships expand credit access and streamline risk management. Discover how.

Embedded Finance

Gary Schwartz

Canadian Lenders Association

New Merger Rules: The End of Business as Usual

Navigate 2024 Competition Act changes. Learn how the removal of the efficiencies defense and new structural presumptions impact Canadian fintech M&A. Discover how.

Policy & Finance

Gary Schwartz

Canadian Lenders Association

Canada’s AML Overhaul: A Gordian Knot?

Navigate Canada's new AML amendments. Learn how beneficial ownership and data-sharing rules impact factoring, leasing, and lending in the Canadian context. Discover how.

Policy & Finance

Gary Schwartz

Canadian Lenders Association

Canada’s Payment System’s Finality Gap

Address the risk of payment reversals in the Canadian lending context. Learn why PCRNs and the Real-Time Rail are essential for payment finality. Discover how.

Payment & Finance

Gary Schwartz

Canadian Lenders Association

Redtape: Ontario’s Consumer Reporting Act

Protect Canadian lending from the risks of Ontario's proposed email mandate. Learn how mandatory email disclosures threaten cybersecurity and privacy. Discover how. (155 characters)

Policy & Finance

Hamid Akbari

Blanc Labs

The Innovator’s Dilemma: Risk on the Edge

Balance "no-regret" innovation with robust risk management in the Canadian lending context. Explore how AI and RPA drive efficiency without compromising compliance. Discover how.

Risk & Finance

Adeline</br>Cheng

Ernst & Young LLP

Next-Gen SMB Lending: Why ‘Business as Usual’ Won’t Cut It

Drive growth in the Canadian lending context with AI-driven risk assessment and open banking. Learn why SMBs need integrated financial services. Discover how.

Sustainable Finance

Philip Pompili

Levitas

Private Mortgages: LTV Alone Doesn’t Cut it

Avoid the pitfalls of property management in the Canadian lending context. Use AI-driven underwriting to assess borrower health beyond simple LTV. Discover how.

Mortgage

Cheryl Woodburn

Provenir

Thriving Through the Mortgage Squeeze

Protect your portfolio during the Canadian mortgage renewal squeeze. Use AI to mitigate delinquencies and detect first-party fraud in real-time. Discover how.

Mortgage

Paul Ellis

Paul Ellis Consulting, Sustainable Finance Podcast

The Sustainable Finance Podcast – Dr. Ron Dembo, Founder and CEO of Riskthinking.AI

Move beyond deterministic forecasting. Learn how RiskThinking.AI uses stochastic "future data" to price physical climate risk in Canadian banking. Discover how.

Sustainable Finance

Kevin <br> Carmichael

The Logic

Rate Expectations: Balancing Risk When Interest Dips

Rate Expectations: Balancing Risk When Interest Dips Abstract: The 2024 Canadian Lenders Summit panel, “Rate Expectations: Balancing Risk When Interest Dips” moderated by Kevin Carmichael of The Logic, examines how economic shifts, particularly changes in interest rates and regulations, impact financial decision-making and risk management. Topics include Bank of Canada policy, the future of mortgage […]

Event Insights

Abhishek Bhasin

Uplinq

Addressing the Wealth Gap

Bridge the wealth gap in Canada. Learn how alternative data and community lending tools empower marginalized groups to build credit and wealth. Discover how.

DE&I & Finance

Thomas Becher

SAP Fioneer

North American SMEs still don’t have the digital banking they need!

Unlock the $22B SME digital banking market. See why 27% of millennial entrepreneurs are switching banks and how embedded finance is the solution for 2026. Discover how.

SMB Finance

Kris Hansen

Sagard

Strange Bedfellows – Navigating the BaaS Revolution

Explore the evolution of Banking-as-a-Service and BaaS partnerships within the Canadian lending context. Learn how fintechs and banks manage risk and scale. Discover how to align your strategy for long-term success.

Risk & Finance

Stefanie Marotta

The Globe and Mail

Taking Care of Business: The State of Business Banking

Analyze the challenges facing Canadian SMBs, from capital access to outdated financial processes. Learn how open banking drives innovation in SMB finance. Discover how financial modernization supports underserved entrepreneurs.

DE&I & Finance

Brent Reynolds

Payson Solutions

Watching the Kettle Boil: Preparing for the Credit Downturn

Navigate the Canadian credit cycle with expert insights on risk management and proactive lending. Prepare for the credit downturn and manage payment shock. Read more to align your strategy with the evolving economy.

Risk & Finance

Nezihe Aquino

Vancity

A Sleuth’s Guide to AML and Fraud

A Sleuth’s Guide to AML and Fraud Abstract: The panel on fraud and anti-money laundering (AML) in the digital age featured experts discussing how macroeconomic shifts and evolving technology are driving the rise of identity fraud, synthetic IDs, and account takeovers. The speakers emphasized the need for real-time data analysis, AI integration, and innovative tools […]

AML & Finance

Stephen Smith

Fairstone, First National ...

An Interview with Stephen Smith

Explore Stephen Smith’s blueprint for acquiring Home Capital and Canada Guarantee. Gain insights on Canadian mortgage resilience and B2B synergies. Discover how to identify niche opportunities in a concentrated market.

Fintech Startups

Gary Schwartz

Canadian Lenders Association

PPSAs: A practical approach for lawyers

Master Ontario’s 2024 PPSA changes and the NOSI prohibition. Learn how to manage security interests and mitigate risk in secured lending. Secure your assets now.

Event Insights

Gary Schwartz

Canadian Lenders Association

2025: BNPL Challenges & Solutions

Explore the maturity of Canada’s BNPL sector as we head into 2025. Gain expert insights on new credit reporting standards and evolving FCAC regulations. Stay informed.

Event Insights

Gary Schwartz

Canadian Lenders Association

Bill 72: Access to Credit for Quebecers

Analyze the impact of Quebec’s Bill 72 on credit access. Discover how proposed Consumer Protection Act changes affect underserved borrowers and lenders alike.

Event Insights

Gary Schwartz

Canadian Lenders Association

Study on Including Insurance in the APR

Discover the CLA’s urgent findings on Finance Canada’s APR changes. Including insurance in borrowing costs could strip 9 million Canadians of vital credit. Read more.

Event Insights

Gary Schwartz

Canadian Lenders Association

At a Climate Crossroads: Industry Must Step Up

Address Canada’s climate crossroads. Learn how Bill C-59 and OSFI Guideline B-15 are reshaping sustainable finance for business leaders. Join the summit today.

Event Insights

Seun Sanni

Payfi

The Case for Prioritizing Rent Payments in Credit Scoring

Rethink credit scoring with the Canadian Renters' Bill of Rights. Learn how prioritizing rent payments fosters financial inclusion and helps renters build equity.

Next-Gen Banking

Dean Velentzas

Canadian Lenders Association

Bill C-69 & Consumer – 🚘 Banking

Canada officially launches Consumer-Driven Banking in 2026. Explore how the CDBA and Bill C-69 empower consumers with secure API data sharing and end screen scraping.

Data & Finance

Alex Todorovic

Arbor

Sustainable Finance Needs Data-Powered Tools

Master OSFI Guideline B-15 compliance with data-powered carbon tools. Learn why "bottom-up" carbon accounting is essential for de-risking financial portfolios in 2026.

Policy & Finance

Gary Schwartz

Canadian Lenders Association

G7: Canada is Way Behind in Halal Financing

Explore the 2026 state of Halal finance in the G7. From Canada’s new federal framework to the UK's market maturity, discover how Shariah-compliant tools are scaling.

Fintech Startups

Gary Schwartz

Canadian Lenders Association

Homeowners’ Credit Scores Could Suffer

Ontario’s NOSI ban: Protect title but risk credit scores. Learn how the Homeowner Protection Act shifts debt enforcement and impacts borrower transparency. Read more.

Event Insights

Gary Schwartz

Canadian Lenders Association

Bill 200: 6 Dire Concerns

Bill 200’s retroactive NOSI ban threatens Ontario’s lending ecosystem. Discover how this impacts credit access and home affordability. Read the CLA’s 6 concerns.

Politics and Finance

Andrew Lemoine

Autocorp.ai

Automotive Finance and Soft Pull Technology

Soft pull technology is transforming car buying. Discover how pre-qualification tools empower Canadian consumers and streamline dealer operations.

Automotive Finance

Stephanie Hanson

Gestalt Tech, Inc.

Consumer Lending & AI. Is Your Data Ready?

Accelerate AI adoption in Canadian consumer lending by building a foundation of clean, organized data. Improve risk assessment and drive financial inclusion. Discover how to transform your data into a strategic asset for 2026.

AI & Finance

Andrew Lemoine

Autocorp.ai

Enhancing Digital Security in the Dealer World

Protect your dealership from the 54% surge in Canadian auto fraud. Leverage fintech for FINTRAC-ready ID and income verification. Discover how to secure your digital transactions and meet new AML standards.

Automotive Finance

Christopher Bisson

Value Connect Inc.

The Bifurcation of the Appraisal Process 

Optimize your mortgage workflow with bifurcated appraisals. Reduce costs, lower emissions, and accelerate loan approvals in the Canadian market. Discover how specialized roles enhance valuation accuracy for 2026.

Mortgage

Adedeji Olowe

Lendsqr

AI Advancing Inclusive Lending?

Explore how AI uses alternative data to empower New-to-Canada borrowers lacking traditional credit history. Balance innovation with risk in the Canadian lending context. Read more.

AI & Finance

Saurabh Job

Posidex Technologies

Data Security and Lending: Greenfield Opportunities

Secure your lending operations as Canada’s BNPL market hits $11B. Navigate OSFI mortgage guidelines and the 2026 Open Banking rollout safely. Discover how.

BNPL & Finance

Michael Collins

Periculum

AI Helping the Under-Banked

Leverage AI and alternative data to bridge the credit gap for 5M underbanked Canadians. Explore ethical AI lending in the Canadian lending context. Discover how.

AI & Finance

Syed Zuhair Naqvi

EQRAZ Inc.

Halal Mortgages in Canada’s Budget – Equal but not Same

Understand Halal mortgages in the Canadian lending context. Explore how interest-free, Shariah-compliant models promote housing equity for 2M Muslims. Discover how.

Mortgage

Gary Schwartz

Canadian Lenders Association

Explaining Why the APR Cap Matters!

Analyze how the 35% APR cap expands the 'Credit Desert' for 4.7M Canadians. Understand the impact on non-prime lending in the Canadian lending context. Read more.

Non-Prime Finance

Paul O'Sullivan

Aryza

Redefining Credit Risk Management in Lending

Transform your credit risk management with cloud-based automation and real-time data. Master in-house decisioning in the Canadian lending context. Discover how.

Data & Finance

Luna Besaiso

Canadian Lenders Association

Open Banking in Canada: Risk vs. Innovation

Navigate Canada’s 2026 Open Banking launch. Analyze behavioral economics, AML shifts, and Bank of Canada oversight in the Canadian lending context. Discover how.

Open Banking

Jason Mullins

goeasy

ROE in Consumer Lending: 2023 Lenders Summit

Analyze ROE drivers and the rising cost of capital for Canadian lenders. Navigate the 35% APR cap and non-prime risks in the Canadian lending context. Discover how.

Non-Prime Finance

Andrea Amaize

Mazars

Disclosing Management of Climate-Related Risks?

Analyze how Canadian FRFIs are disclosing climate risks under OSFI B-15. Navigate 2026 deadlines for Scope 1, 2, and 3 emissions. Discover how.

Policy & Finance

Gary Schwartz

Canadian Lenders Association

International Women’s Day & Fintech

Analyze how Canadian FRFIs are disclosing climate risks under OSFI B-15. Navigate 2026 deadlines for Scope 1, 2, and 3 emissions. Discover how.

Policy & Finance

Luna Besaiso

Canadian Lenders Association

Women in Fintech: A Call for Greater Inclusion

Advance women in finance and fintech with targeted mentorship and community building. Address the 12.6% wage gap in the Canadian lending context. Discover how.

DE&I & Finance

David Fry

Paays

Rising Discrepancies: Deepfake Tech Highlights Distinct Demands in KYC and Fraud Detection 

Bridge the gap between regulatory KYC and advanced fraud detection. Defend against $15 deepfake IDs with AI-native verification in the Canadian lending context. Discover how.

AI & Finance

Sandeep Hinduja

newgen

GenAI and Low-Code: Transforming the Canadian Retail Lending Landscape

Leverage GenAI and Low-Code to redefine the 2026 retail lending experience. Explore 'Agentic AI' and 80% faster approval times in the Canadian lending context. Discover how.

AI & Finance

Hamid Akbari

Blanc Labs

How AI is Revolutionizing Lending: Practical Applications for Canadian Banks and FIs

Discover how AI is driving 4.7% revenue growth in Canadian lending. Master IDP and OSFI E-23 compliance in the 2026 financial context. Learn more.

AI & Finance

Gary Schwartz

Canadian Lenders Association

A Solution Under $5000

Advocate for the $5,000 installment loan exemption. Combat the 2026 credit desert and illicit lending surge in the Canadian financial context. Discover how.

Non-Prime Finance

Natasha Dillon

Fundfi Merchant Funding

Bridging the Funding Gap for SMEs

Bridge the SME funding gap with holistic credit assessments. Explore 2026 trends in cash-flow lending and the Competition Bureau’s study in the Canadian context. Discover how.

SMB Finance

Aser Cortines

Multiverse Computing

How Quantum Computing Can Help Meet the Goals of Sustainable Finance 

Explore how quantum computing and AI optimize ESG portfolios and climate risk in the Canadian lending context. Overcome classical data limits to meet net-zero goals. Discover how.

AI & Finance

Emmie Murphy

BMO

Bridging Economic Gaps: Overcoming Barriers to Indigenous Lending in Canada

Analyze the 2026 OSFI Risk Outlook and the rise of AI-driven fraud within the Canadian lending context. Ensure compliance and mitigate risk. Discover how.

AI & Finance

Gary Schwartz

Canadian Lenders Association

Liberals cutting off millions of Canadians this Christmas

Critique of the Liberal government's interest rate cap within the Canadian lending context. See how new regulations impact credit access for 4.7 million people. Discover how.

Non-Prime Finance

Hamid Akbari

Canadian Lenders Summit

Mortgage is Dead. Long Live Mortgage! 2023 Lenders Summit

Explore how AI and alternative lending are reshaping the Canadian mortgage context. From reverse mortgages to open banking, see what's next for homeowners. Discover how.

AI & Finance

Mark Roberts

Aryza

Canadian Mortgages in Flux: Adapting to Changing Financial Realities

Navigate rising insolvencies and the 2026 mortgage renewal wave in the Canadian lending context. Learn how tech-driven underwriting mitigates debt risk. Discover how.

Data & Finance

Stacy Yanchuk Oleksy

Credit Counselling Canada

12 FAQs About Non-Profit Credit Counselling

Understand how non-profit credit counselling supports the Canadian lending context. Learn about DMPs, creditor donations, and debt recovery strategies. Discover how.

Data & Finance

Brent Reynolds

Canadian Lenders Summit

New to Canada | New to Credit: 2023 Lenders Summit

Harness international credit data and AI to serve the 2026 wave of new Canadians. Learn how Nova Credit and TransUnion bridge the credit gap. Discover how.

Data & Finance

Mark Roberts

Aryza

Navigating the Shifting Canadian Insolvency Landscape: A Call to Action

Analyze the 2026 Canadian insolvency landscape. Discover how interest rate pauses and case management tech help lenders mitigate record-high filing risks. Discover how.

Data & Finance

Andrei Poliakov

APX Lending

The Rise of Bitcoin-Backed Lending: Navigating Opportunities and Challenges

Analyze Bitcoin-backed lending in the 2026 Canadian context. Master collateral management, PPSA legalities, and cold storage security for BTC loans. Discover how.

Crypto & Finance

Gary Schwartz

Canadian Lenders Association

Canadians for Open Banking: CCI’s Open Letter to Minister Freeland

Demand action on Canadian open banking. The CLA supports CCI’s call for Minister Freeland to mandate secure financial data sharing by 2026. Discover how.

Policy & Finance

Elizabeth Wood

CMI Canadian Mortgages Inc.

Mortgage Suitability: Enhancing Trust and Transparency in Canada’s Lending Landscape

Elevate trust in Canadian lending. Learn how MBRCC suitability principles and new 2026 BCFSA/FSRA standards protect borrowers and private lenders. Discover how.

Mortgage

Cheryl Woodburn

Provenir

Alternative Data in Credit Decisioning: Meeting the Demands of the Expanding Canadian Financial Services Market

Meta Description (Excerpt): Unlock growth in the 2026 Canadian lending market. Use alternative data to score New-to-Canada borrowers and mitigate synthetic fraud risks. Discover how.

Data & Finance

Phil Pompili

Levitas

The Invisible Threat: The Urgent Need for Robust Electronic ID Verification 

Protect Canadian lending from sophisticated ID theft and mortgage fraud. Explore why robust electronic ID verification is vital for private lenders. Discover how.

Mortgage

Brent Reuters

Aryza

The Digital Transformation of Canada’s Lending Landscape

Evolve your lending strategy for 2026. Explore how AI, Open Finance, and digital maturity drive cost savings and borrower loyalty in Canada. Discover how.

Fintech Startups

Brent Reynolds

Payson

The 5 Crucial Steps to Building a Lending Product

Navigate the 2026 Canadian lending landscape. From BaaS sponsor banks to AI-driven credit policies, learn how to build a scalable financial product. Discover how.

Fintech Startups

Garron Helman

CEBA.ca

Once in a Lifetime Opportunity – CEBA in 2024

Navigate the final phase of CEBA. With the Dec 2026 maturity date approaching, learn how alternative lenders are managing the $8.1B in outstanding debt. Discover how.

Policy & Finance

Jil Macdonald

Walnut

Lenders and Insurance: A Path to Stability in Uncertain Times

Explore how embedded insurance stabilizes revenue and builds loyalty for Canadian lenders during economic uncertainty. Drive growth and mitigate risk. Discover how.

Embedded Finance

Sasha Ramani

MPOWER

International Students Contribute C$36 Billion to Canadian Economy

International students contribute C$36B to Canada's economy, driving demand for new-to-Canada lending. Explore the vital role of student financing. Discover how.

DE&I & Finance

Steven Clarke

Klarna

Canadian Consumers Want Choice – Let’s Continue To Innovate Together

Canadian consumers are choosing BNPL over traditional credit. Learn why flexible, interest-free payment models are essential for 2026 financial stability. Discover how.

BNPL & Finance

Grant MacFarlane

First National Equipment Leasing

Innovative Financing: Accelerating Canada’s Clean Technology Tax Credit Transformation

Leverage Canada's 30% Clean Technology ITC to turn cost-prohibitive projects into cash-flow-positive ventures. Expert insights on flexible green lending. Discover how.

Equipment Finance

Nicholas Beardsley

BNPL40

BNPL: Welcome to 2024 Next-Gen Services

BNPL is evolving into a financial lifeline for Canadians. Explore how digital installments are reshaping retail and B2B lending in 2026. Discover how.

BNPL & Finance

Margaret Adekunle

City Lending Centres

Unlocking Credit Opportunities: The Power of Rent Reporting

Establish a stronger credit profile through rent reporting. Learn how this new-to-credit solution bridges the gap in the Canadian lending context. Discover how.

Identification & Finance

Alex Todorovic

Arbor

Climate Policy and Finance: Freight Train A’Comin

Canadian lenders must master OSFI B-15 and Scope 3 reporting to maintain stability. Explore the math behind green loans and transition plans. Discover how.

Policy & Finance

Dean Velentzas

Canadian Lenders Association

CLA & the 2023 TransUnion Canada Summit

Canadian lenders are pivoting to NTC growth and Gen Z engagement in 2026. Discover how alternative data and digital ID are reshaping the credit industry. Read more.

New-to-Canada

Dean Velentzas

Canadian Lenders Association

Open Banking’s Rocky Road: A Review of this Year’s Open Banking Expo

After years of delay, Canada’s Consumer-Driven Banking Framework is launching in 2026. Explore the shift from screen scraping to secure APIs. Discover how.

Next-Gen Banking

Kris Hansen

Synctera

Redefining Finance: How Non-Banking Entities are Disrupting Canada’s Financial Landscape and Driving Embedded Finance Forward

Embedded finance is turning everyday brands into lenders. Explore how Canada’s 2026 regulatory shift is making banking a companion activity for consumers. Discover how.

Embedded Finance

Peter Routledge

OSFI

Peter Routledge (OSFI) on Sustainable Finance

Superintendent Peter Routledge outlines OSFI’s transparent approach to climate and third-party risk. Master the 2026 compliance landscape for B-15. Discover how.

Data & Finance

Cheryl Woodburn

Provenir

More Data, Less Friction: Growing Your Customer Base Without Sacrificing Experience

In 2026, Canadian lenders must leverage alternative data to navigate high household debt and fraud. Learn how to scale growth without adding friction. Discover how.

Data & Finance

Gary Schwartz

Canadian Lenders Association

2023 Federal Budget: Why 4.7 Million Canadians?

Reducing the criminal rate to 35% APR risks leaving 4.7M Canadians without legal credit. Explore the CLA Risk Roundtable’s findings on the non-prime segment. Discover how.

Non-Prime Finance

Non-Prime Roundtable

Canadian Lenders Association

2023 Federal Budget: Fictional Hannah Vs. Real Hannah

The 2023 Budget's 35% APR cap risks pushing millions of non-prime Canadians toward payday debt cycles. See why "Hannah" may lose all access to credit. Discover how.

Non-Prime Finance

Sustainable Finance Roundtable

Canadian Lenders Association

Canada’s New Taxonomy Roadmap Report: What it Means for The Future of Sustainable Lending

Canada’s new Taxonomy Roadmap defines green and transition investments to accelerate climate capital. Learn how these 2026 standards impact B2B lending. Discover how.

Policy & Finance

Sustainable Finance Roundtable

Canadian Lenders Association

CIBC’s 2022 ESG Report: Building a Better Future

CIBC aims to mobilize $300B in sustainable finance by 2030 while raising the minimum wage to $25. See how their ESG strategy impacts the Canadian lending landscape. Discover how.

DE&I & Finance

Sustainable Finance Roundtable

Canadian Lenders Association

Scotiabank Releases 2022 ESG Report Highlighting Significant Progress on Environmental, Social, and Governance Initiatives

Scotiabank’s ESG report outlines a $350B sustainable finance goal and the integration of ESG into risk appetite metrics. See how this reshapes Canadian lending. Discover how.

DE&I & Finance

Dean Velentzas

Canadian Lenders Association

Why Representation of Women in Finance and Fintech Matters

Despite making up 47% of the workforce, women remain underrepresented in Canadian finance C-suites. Explore strategies to elevate female voices in 2026. Discover how.

DE&I & Finance

Kent Taylor

Premium Services Group

The Benefits of Compliance Programs to Alternative Lenders 

Optional insurance programs can offset defaults and support borrowers. Learn the 2026 compliance fundamentals for transparency, independence, and robustness. Discover how.

Loan Servicing

Dean Velentzas

Canadian Lenders Association

Credit Repair vs. Credit Building: Understanding the Differences and Benefits

Credit repair fixes the past; credit building builds the future. Learn why distinguishing these categories is vital for Canadian lending compliance. Discover how.

Policy & Finance

Dean Velentzas

Canadian Lenders Association

What’s in a Name? How a Job Title Became a Source of Contention in Alberta

Alberta has legalized the "software engineer" title for non-licensed tech workers, ending a years-long dispute with APEGA. Learn how this impacts B2B talent. Discover how.

Fintech Startups

Evrard Nkwemi

Cubeler

SMEs Still Facing Uphill Battle Post-Pandemic

Unlock growth despite liquidity gaps. Explore how alternative lenders are helping Canadian SMEs overcome post-pandemic hurdles and supply chain shifts. Discover how.

Data & Finance

Keren Moynihan

Boss Insights

The Role of Fintech in the Future of Small Business

Bridge the financial data gap for Canadian SMBs. See how open banking and fintech partnerships empower lenders with real-time cash flow insights. Discover how.

Data & Finance

SMB Roundtable

Canadian Lenders Association

The Lifeblood of Canada: How Small Businesses Can Survive (and Thrive) Under Current Economic Conditions

Reduce personal risk and master cash flow. See how Open Banking and fintech tools provide Canadian SMBs with faster access to business credit. Discover how.

Open Banking

Patrick Dunn

Benefi

The Unexpected Rise of Employment-Based Lending

Transform your talent strategy. Explore how Canadian firms use signing bonuses as a lending model to combat labor churn and secure long-term stability. Discover how.

Policy & Finance

Dean Velentzas

Canadian Lenders Association

Dean Velentzas from the CLA Reviews the 2022 TransUnion Canada Financial Services Summit

Review the 2022 TransUnion Summit with the CLA. Gain insights on Canadian macroeconomic shifts, Gen Z credit habits, and evolving risk models. Discover how.

Event Insights

Gary Schwartz

Canadian Lenders Association

Hill Times: Non-prime Lending Ensures Access to Credit for Eight Million Canadians

Protect credit access for 8 million Canadians. Analyze how Section 347 interest rate caps impact non-prime lending and borrower stability. Discover how.

Non-Prime Finance

Iryna Shmanenko

RNDPoint

Why Auto Finance Players are Digitizing Sales For Future Growth

Future-proof your auto lending. Explore how AI software, digital asset securitization, and EV trends are reshaping the Canadian auto market. Discover how.

Automotive Finance

Dean Velentzas

Canadian Lenders Association

Celebrating Pride at the Canadian Lenders Association

Analyze how Canadian fintechs address credit discrimination and promote LGBTQ+ inclusion. Support DE&I in the Canadian lending context by joining our survey. Discover how.

DE&I & Finance

Lily Cook

Canadian Lenders Association

Lily Cook from the CLA reviews the LendIt Fintech’s USA 2022 

Recap the top highlights from LendIt Fintech USA. Explore how biometrics, BNPL fraud strategies, and open finance are shaping the Canadian lending context. Discover how.

Next-Gen Banking

Iryna Shmanenko

RNDPoint

Microfinance Software: Solving The Problem Of Solvency

Discover how Canadian microfinance lenders use AI to manage rising NPA risks in 2026. Optimize SMB finance and debt collection in the Canadian lending context. Read more.

AI & Finance

Tal Schwartz

Canadian Lenders Association

Is AI Still A “Black Box” For The Financial Industry?

The global AI market is hitting $312B in 2026. Explore the risks of data poisoning and algorithmic bias in the Canadian lending context. Discover how.

Next-Gen Banking

Gary Schwartz

Canadian Lenders Association

The Role of Non-Dilutive Growth Capital for Funding Startups & SMBs

Master non-dilutive capital and revenue-based financing. Fuel your startup with alternative funding in the Canadian lending context without losing equity. Discover how.

Next-Gen Banking

Dean Velentzas

Canadian Lenders Association

International Women’s Day: CLA Member Case Study

Analyze the gender parity gap in financial services. Learn how CLA members are addressing leadership representation in the Canadian lending context. Discover how.

Data & Finance

Dean Velentzas

Canadian Lenders Association

Loan Monitoring and Early Warning System Raise Green Flag for Avoiding NPAs Deterioration in Microfinance Organizations

Combat rising NPAs in the Canadian lending context with digital loan monitoring and Early Warning Systems. Prevent defaults and optimize cross-selling. Discover how to scale.

Data & Finance

Dean Velentzas

Canadian Lenders Association

A Lender’s Guide to Creating A More Gender-Inclusive Workplace

Modernize your DE&I strategy with actionable steps for gender-inclusive lending. Learn how Canadian firms drive 19% higher revenue through equity. Discover how to lead.

Data & Finance

Gary Schwartz

Canadian Lenders Association

Corporate Cards, Cash Flow & Credit: Fintech Solutions for SMEs

Fuel your business with modern credit. See how embedded finance and alternative data are revolutionizing SME lending and cash flow in Canada. Read more to scale.

Embedded Finance

Dean Velentzas

Canadian Lenders Association

Tech Lending: Venture Debt’s New Darling

Unlock non-dilutive growth with venture debt. Explore Canada's tech lending ecosystem, from bank innovation groups to private credit. Discover how to scale.

Next-Gen Banking

Noah Walters

Dentons

Legal Considerations in Crypto Lending

Navigate the 2026 Ce-Fi landscape. Learn how the Stablecoin Act and CSA oversight impact crypto-backed lending and collateral security in Canada. Discover how to comply.

Crypto & Finance

Dean Velentzas

Canadian Lenders Association

Life Stages: Fostering Early Financial Literacy

From gamified apps to Ontario's new 2026 graduation mandate, see how Canadian youth are mastering money. Prepare the next generation. Discover how to invest.

Next-Gen Banking

Dean Velentzas

Canadian Lenders Association

Trends in the Alternative Mortgage Sector

Facing a 2026 mortgage renewal? Learn how alternative lenders bypass the Big 6 restrictions with flexible income rules and customized rates. Discover how to qualify.

Mortgage

Dean Velentzas

Canadian Lenders Association

Private Debt Solutions: The Answer You’re Looking For

Bypass bank retrenchment. Discover why private credit is the leading choice for Canadian SMEs seeking fast, flexible, and secure capital in 2026. Read more to grow.

Private Credit

Dean Velentzas

Canadian Lenders Association

US BNPL Policy Snapshot

BNPL is now part of Canada’s formal credit landscape. Discover how 2026 regulations and new bureau reporting impact lenders and consumers. Read more to stay compliant.

BNPL & Finance

Dean Velentzas

Canadian Lenders Association

Community Fintechs: How Banking in Segments is DEI in Action

In 2026, fintechs are the new pillars of financial equity. Explore how targeted data and Open Banking empower Canada’s underbanked communities. Discover how to scale.

Open Banking

Paul von Martels

EQ Bank

Panel: Alt Data: Key to Inclusive Lending?

Open Banking is here. See how alternative data is unlocking credit for 3.5M invisible Canadians while improving risk-based 2026 assessments. Discover how to adapt.

Data & Finance

Dean Velentzas

Canadian Lenders Association

BNPL Media Insight Report

Klarna wins Share-of-Voice, but Affirm dominates Canadian partnerships. See how the BNPL giants are fighting for Gen Z on TikTok and Instagram in 2026. Read more to see the data.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

A $27 Credit Card Limit

From a $27 credit hook to a profitable Small Finance Bank, Slice is redefining Indian credit. Discover how UPI-integration is unlocking 200M underserved users in 2026. Read more.

Data & Finance

Gary Schwartz

Canadian Lenders Association

Africa: A BNPL Goldmine

Explore how Zip and Payflex are transforming credit in Africa. Learn why alternative data is the key to BNPL success in the Canadian lending context. Discover how.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

Amazon | Affirm: The End Game?

Will Amazon build or buy its own BNPL? Analyze the Affirm partnership and 1-Click evolution within the Canadian lending context. Discover how friction-less credit wins.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

Flinks: What does $103M get the National Bank?

Does National Bank’s acquisition of Flinks signal the end of screen-scraping? Explore the future of Open Banking within the Canadian lending context. Discover how.

Open Banking

Gary Schwartz

Canadian Lenders Association

BNPL: Confessions of a Merchant

BNPL is reshaping checkout in the Canadian lending ecosystem, driving higher AOV and conversions for merchants. Learn why adoption is rising. Discover how.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

Layaway + Credit Card = BNPL

BNPL blends layaway and credit card models, reshaping consumer payments in the Canadian lending landscape. Explore its evolution and impact. Read more.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

Confessions of a BNPL Shopper

BNPL is reshaping how young Canadians manage payments, offering flexible, interest‑free options but new risks to track. Explore the shift in lending habits. Read more.

BNPL & Finance

John Mavriyannakis

Dekian Consulting Inc.

Open Banking Report: Toe in a Cold Lake

Canada’s Open Banking framework limits data access and challenges FinTech growth in the lending ecosystem. See why the impact may be negative.

Fintech Startups

Gary Schwartz

Canadian Lenders Association

The British Invasion

Zilch’s acquisition of NepFin accelerates its BNPL expansion into North America, strengthening licensing and fintech capabilities in the Canadian lending landscape.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

The Birthplace of BNPL? Brazil.

Brazil’s inflation-driven credit culture made BNPL a natural fit, reshaping payments across emerging markets and influencing Canadian lenders. Discover how.

BNPL & Finance

Dean Velentzas

Canadian Lenders Association

The Invisible Person

Credit invisibility affects over a third of Canadians. Learn how fintechs use alternative data to improve lending access in Canada’s credit ecosystem. Read more.

Fintech Startups

Dean Velentzas

Canadian Lenders Association

Diversity, Equity & Inclusion in FinTech

DEI is essential to Canadian FinTech growth, boosting innovation and revenue while shaping a more inclusive lending ecosystem. Explore the initiative. Discover how.

DE&I & Finance

Andrew Moor

EQ Bank

EQ Bank: Payment & Open Banking

Equitable Bank outlines how Payments Modernization and Open Banking will reshape Canada’s lending ecosystem and fintech partnerships. Explore what’s ahead. Discover how.

Next-Gen Banking

Dean Velentzas

Canadian Lenders Association

Ottawa’s Open Banking Leaves Some Doors Closed

Consumer‑directed finance can strengthen Canada’s lending ecosystem, but delays risk leaving thin‑file Canadians behind. Learn what’s needed for true access.

Identification & Finance

Gary Schwartz

Canadian Lenders Association

The Angle on the Square Deal

Square’s $30B Afterpay acquisition accelerates BNPL growth and strengthens fintech ecosystems across North America and Canada’s lending landscape.

BNPL & Finance

Tal Schwartz

Canadian Lenders Association

Open Banking: Cut the malarkey!

Biden’s competition order could accelerate U.S. Open Banking, raising questions about Canada’s slower progress and policy gaps in lending. Explore the impact.

Open Banking

Tal Schwartz

Canadian Lenders Association

We need new used-cars!

Used‑car prices are up 45% YoY, creating major LTV and valuation risks for Canadian auto lenders as markets normalize. Learn what this means for lending.

Automotive Finance

Tal Schwartz

Canadian Lenders Association

Bye Bye Bye Overdraft

Overdraft fees are under fire as fintechs push fee‑free models and Canadian banks respond. Explore the policy debate reshaping consumer banking.

Fintech Startups

Gary Schwartz

Canadian Lenders Association

How BNPL Works?

BNPL replaces old‑school store credit with real‑time risk checks and flexible payments, reshaping Canada’s lending and retail ecosystem. Learn the model.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

Native Digital Consumers & BNPL

Over half of consumers now use BNPL, with rapid growth among Gen Z and older adults. Explore key trends shaping Canada’s lending and checkout ecosystem.

BNPL & Finance

Dean Velentzas

Canadian Lenders Association

The Future of Automotive Lending

Canada’s push for 100% ZEV sales by 2035 demands industry coordination, incentives, and lending innovation. Explore how automotive leaders can support the transition.

Automotive Finance

Gary Schwartz

Canadian Lenders Association

6 vs. 294 year-old

Revolut’s new $33B valuation eclipses NatWest as it raises $800M to pursue its “Amazon of Banking” vision. Explore what this means for global fintech growth.

Fintech Startups

Gary Schwartz

Canadian Lenders Association

Apple Pay Later x 4

Apple is launching BNPL options through Apple Pay, offering interest‑free and monthly installment plans powered by Goldman Sachs. Explore the impact on fintech lending.

BNPL & Finance

Dean Velentzas

Canadian Lenders Association

The Crypto Rails War

Crypto‑linked card spending has topped $1B as Visa and Mastercard expand partnerships to bring digital assets into everyday payments. Explore the shift in consumer behavior.

Crypto & Finance

Dean Velentzas

Canadian Lenders Association

Forbes Fintech 50 2021

A look at the Fintech 50: top private U.S.‑based fintechs, their funding, categories, and the surge in valuations as firms like Stripe and Marqeta eye public markets.

Fintech Startups

Tal Schwartz

Canadian Lenders Association

Fintech Lending is on the Rebound

S&P Global forecasts strong post‑pandemic growth for fintech lenders, with personal, SMB, and student loan originations rising sharply. Explore the market outlook.

Fintech Startups

Dean Velentzas

Canadian Lenders Association

Pride in Banking

Fintechs are personalizing banking for Canada’s $90B‑spending‑power LGBT+ community, from true‑name cards to inclusive savings tools. Explore the shift toward identity‑affirming finance.

DE&I & Finance

Tal Schwartz

Canadian Lenders Association

Straight A’s For Student Lenders

Student debt now tops $1.7T in the U.S., fueling fintech innovation in refinancing, repayment APIs, and credit‑building tools for overlooked students.

Fintech Startups

Tal Schwartz

Canadian Lenders Association

A “teeny-weeny little bit” is now an official measurement

US loan‑to‑deposit ratios are hitting multi‑year lows, tightening margins and reshaping bank strategy with implications for Canadian lenders.

Next-Gen Banking

Gary Schwartz

Canadian Lenders Association

The APR Red Herring

APR caps can unintentionally restrict non‑prime borrowers’ access to safe, regulated credit in Canada. Explore why lending must be viewed as a continuum.

Non-Prime Finance

Gary Schwartz

Canadian Lenders Association

Future of Upsell | Downsell

Fintech lenders and banks are converging through upsell‑downsell partnerships and BNPL integrations, reshaping Canada’s lending landscape. Discover how.

BNPL & Finance

Gary Schwartz

Canadian Lenders Association

Bank’s FinTech Sandbox

Open Banking is reshaping financial infrastructure as banks build API‑driven platforms to stay competitive in Canada’s lending ecosystem. Discover how.

Fintech Startups

Gary Schwartz

Canadian Lenders Association

Explaining FinTech to a 7-Year-Old

Embedded finance is evolving like Lego—modular, creative, and reshaping how Canadians access financial services. A simple way to explain FinTech.

Embedded Finance

Gary Schwartz

Canadian Lenders Association

Financial Data Squeeze

Embedded finance is reshaping SMB lending as platforms like Shopify and Amazon outpace banks in Canada with real‑time, data‑driven credit. Discover how.

Embedded Finance

Gary Schwartz

Canadian Lenders Association

Revolut Losses and Gains

Revolut’s COVID‑era losses were offset by surging crypto revenues, reshaping growth expectations for challenger banks in Canada’s fintech landscape.

Crypto & Finance

Gary Schwartz

Canadian Lenders Association

Open Banking Boon

Open Banking has fueled major fintech investment abroad, but Canada lacks a clear data‑sharing regime to stay competitive in lending innovation. Read more.

Fintech Startups