Introduction Good afternoon. And thank you for inviting me to join you today. I’m curious. With a show of hands, tell me, how many of you have already made at least one payment today? Maybe you stopped for a coffee? Paid a bill online? We know that moving money is integral to our daily lives as consumers. We know that these transactions are crucial for entrepreneurs as well, not to mention the economy as a whole. Central banks have long been focused on ensuring that the risks around payment activities are well managed. The failure of the Herstatt Bank in 1974 was a watershed moment that led to the creation of the Basel Committee on Banking Supervision. After the 2008–09 financial crisis, c
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