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AI & Lending

RBC’s AI-Agent Warning Is Really a Question of Authority

A borrower’s AI assistant can sound confident. Your institution still needs to know whether it has permission.

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Instant Approval Is Not Instant Funding: Canada's Real-Time Payments Test

A fast lending decision can still end with a slow payment. For the customer waiting to use the money, that is not a technical distinction; it is the experience.

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The Fed's Stablecoin Proposals Put the Operating Model on the Table

A stablecoin strategy needs more than a token and a launch date. It needs an answer to the awkward questions about reserves, capital, permissions, and who is accountable when something goes wrong.

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Wise Wants Your Paycheque. Canadian Lenders Should Pay Attention.

The transfer app is moving into the daily routine

The most useful question about Wise's Canadian chequing launch is not whether another account is needed. It is the institution that becomes the customer's default.

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OSFI's Third Quarterly Release is a policy stack, not a policy drop

Most Canadian bank leadership teams block a war room around federal budget day and the January economic outlook. Almost none block one around an OSFI Quarterly Release Day. That is starting to look like a mistake. On September 10, OSFI moved simultaneously on capital, crypto, interest rate risk, model governance, AI-driven cyber, and the data platform that will carry every future ask. It is a policy stack, not a policy drop, and the connective tissue matters more than any single guideline.

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