Insights
Here be Dragons!!
Navigating Uncharted Waters in the Canadian Economy
One of the things that I regularly get involved in is preparing forecasts for clients, usuall...
Understanding Mobile Payments Diffusion – An Agent-Based Model
Companies succeed or fail based on their ability to innovate. Over the last century we have seen how rapid changes in technology can alter the econ...
Retail Payments Tokenisation - Who are the Real Winners?
The retail payments tokenisation offerings by Visa, MasterCard and to a somewhat lesser extent by Interac, represent a significant expansion of ...
Credit Cards’ Silent War of Attrition on Debit
The number of credit card transactions in Canada exceeded the number of debit purchase transactions by 5 million transactions in 2018. Debit card purchase transactions have dominated, by volume, since 1998 – until now. The difference in transaction volumes was only 0.1% in 2018, a miniscule difference, so why is this significant?
Elements of a Bitcoin Transaction - Infographic and Explanation
The infographic below shows the key elements of a bitcoin transaction, from origination to appending a new block to the blockchain.
For more inf...
Public Key Cryptography - The Backbone of Virtual Currencies
Virtual currencies use advanced cryptography to ensure the security of the system, and in particular a branch of cryptography referred to a Public ...
Consumer Debit Card Transactions Exceed Cash
– Cash's share of personal expenditure transactions dips below 30% –
The number of consumer debit card payment transactions in Canada exceeded the ...