And then yeah, the path to what you've built with Finnovator.

Yeah, my pleasure.

It was great chatting last week as well.

My company is largely based on my career.

So I spent 20 years in the corporate space, so six years in telco, eight years in online shopping, affiliate marketing, ran Alaska, Lufthansa, Delta United online shopping mall infrastructures in early like 2007, 2008 for six years, and then jumped into the payment side of things and went over to a company called Incom, which is based out of Atlanta and They're the largest prepaid company globally, and you probably don't know who they are, but they're the gift card infrastructure behind those towers that you see at Walmart and 7-Eleven globally.

And I've really learned working there that prepaid is kind of the gateway to the digital economy for so many, especially people who only have cash.

Can't really live in the digital economy without touching a prepaid visa or MasterCard or an Uber card so that you can be part of the digital economy.

And I'd be curious, your perspective on what's actually held Canada back in that regard? What did the UK and US get right? Yeah, just your general stance on open banking in your home country.

And if they all decide like, hey, we're not going to move this forward, then we're going to be very, very late to the game.

We are very, very late to the game.

And a lot of that is true.

So when you look at the UK, they were the first to launch open banking, 2017.

And that was largely after the 2008 bad behavior occurred.

So bad behavior occurred in the US and the UK.

They were kind of forced into better competition law in the UK through open banking.

It's going to be a problem.

How did you decide what to include and what not to include?

Great question.

Iteration.

I would say I am an A-type, so I just thought I would do an hour of writing a day and I would achieve this accomplishment, but that is not how writing flows.

There was a lot of 3 a.m. voice notes and on walks just iterating, what do I want to simplify? And I think you're right.

I Even at one of the parts of the book, I write, while you're reading this, I'm quite sure the market has moved.

And this could be old news, even though I finished my last pen in May of this year.

And tell us a little bit about the journey that this country is on and other countries are on towards open data.

So just kind of give a bit on your background and what brings you here into the current role.

Yeah, definitely.

I spent 20 years in the corporate space, so six years in telco, eight years in online shopping, three years in payments and prepaid at Incom, and then one year in blockchain and digital identity at a startup.

And largely...

When I was at that startup, I helped launch WeChat's first top-up QR functionality in North America at 7-Eleven as a POC and realized what a super app was, what QR payments were in early 2017.

And it had me quite curious about the future of finance.

really coming out of Asia and I wanted to learn more.

um going on to your book and it sounds like a lot of the things you do kind of come together in the in the book that you've put together the title mastering the future of finance i guess also speaks to a master class that you put on on this too and then you've got a podcast that you've actually leveraged a lot of the interviews you've done for this can you i believe the book is coming out september 22nd if i'm not mistaken