Canada’s
payments infrastructure industry,
in focus.

Core Payment System Challenges

23.2% of this theme group

Researchers examine fundamental issues in payment settlement, service provision, and system architecture.

Payment system (621) · Payment (1,132) · Payment service provider (245) · Settlement (113)

New payment systems

Payment system technologies and functions : innovations and developments

Mobile Payment Security Concerns

18.7% of this theme group

Studies highlight privacy, authentication, and trust problems affecting mobile payment adoption.

Mobile payment (899) · Payment (794) · Computer security (114) · Internet privacy (81)

User Acceptance Testing of Mobile Payment in Various Scenarios

Exploring Determinants Influencing the Intention to Use Mobile Payment Service

Cryptocurrency and Digital Currency Risks

16.1% of this theme group

Works discuss technical and regulatory vulnerabilities in blockchain‑based payment schemes.

Cryptocurrency (161) · Payment (716) · Digital currency (151) · Currency (136)

Digital Payments: Blockchain based Security Concerns and Future

Demystifying Electronic Payment Systems and Digital Currencies

Mobile Computing Barriers

13.8% of this theme group

Papers identify technical and usability obstacles in deploying mobile devices for payment services.

Mobile technology (236) · Mobile device (274) · Mobile computing (199) · Mobile business development (183)

Mobile Learning

Mobile application challenges

Mobile Banking Legal Hurdles

11.8% of this theme group

Research points to regulatory and operational challenges limiting mobile banking and SMS payment growth.

Mobile banking (283) · Mobile payment (438) · SMS banking (57) · Financial services (113)

THE POTENTIAL INNOVATIVE STRATEGIES OF USING MOBILE MONEY SYSTEMS FOR ENHANCING FINANCIAL INCLUSION IN TANZANIA

Assessment of Legal and Practical Challenges Affecting Mobile Banking: Case Study of Tanzania

Financial Inclusion Obstacles

8.4% of this theme group

Analyses focus on gaps in access, infrastructure, and policy that hinder inclusive fintech adoption.

Financial inclusion (337) · Financial services (212) · Inclusion (52) · FinTech (66)

Financial Inclusiveness : The role of mobile money and digital financial services.

The Future Is Mobile: Financial Inclusion and Technological Innovation in the Emerging World

Healthcare Reimbursement Issues

8.1% of this theme group

Studies explore payment model flaws and incentive misalignments within health‑care financing.

Health care (147) · Reimbursement (71) · Payment (389) · Incentive (78)

Using Physician Payment Reform to Enhance Health System Performance

Challenges and suggestions on reform of provider payment system of medical services

User Trust and Risk in Mobile Payments

20.3% of this theme group

Authors caution that perceived risk and trust deficits may impede mobile payment uptake.

Mobile payment (175) · Mobile device (37) · Mobile technology (22) · Payment (134)

A mixed methods empirical exploration of UK consumer perceptions of trust, risk and usefulness of mobile payments

An Exploration of the Factors Affecting User's Satisfaction with Mobile Payments

Systemic Liquidity and Settlement Risks

16.2% of this theme group

Research warns of liquidity strains and contagion effects in large‑value payment networks.

Market liquidity (52) · Payment (203) · Settlement (46) · Payment system (80)

Systemic risk and liquidity in payment systems

Quantifying the Economic Benefits of Payments Modernization: the Case of the Large-Value Payment System

Consumer Spending Impact Uncertainty

16.1% of this theme group

Papers question how digital payment adoption reshapes purchasing behavior and economic patterns.

Payment (204) · Database transaction (60) · Cash (40) · Mobile payment (62)

Impact Of Digital Payment Systems On Consumer Spending Habits

“ <b>Impact of Digital Payment Systems on Consumer Spending Behaviour”</b>

Inclusion Gaps in Mobile Finance

14.3% of this theme group

Analyses highlight regulatory and accessibility shortfalls that limit financial inclusion via mobile money.

Financial inclusion (176) · Financial services (102) · Inclusion (32) · Mobile payment (106)

Mobile Money for Financial Inclusion

A Systematic Review of Mobile Banking, Fintech Innovations, and Regulatory Gaps to Achieve Financial Inclusion in the Philippines

Mobile Money in Poverty Programs

13.1% of this theme group

Studies caution about effectiveness and unintended consequences of mobile cash transfers in low‑income settings.

Mobile payment (98) · Tanzania (13) · Payment (76) · Monetary economics (11)

Payment Mechanisms and Antipoverty Programs: Evidence from a Mobile Money Cash Transfer Experiment in Niger

Factors influencing consumers’ adoption of mobile financial services in Tanzania

Health Care Prospective Payment Effects

11.2% of this theme group

Research flags potential provider behavior changes and selection bias under case‑based payment schemes.

Reimbursement (36) · Health care (41) · Prospective payment system (33) · Payment (148)

Impacts of Diagnosis-Related Groups Payment on the Healthcare Providers’ Behavior in China: A Cross-Sectional Study Among Physicians

Hospital response to a new case-based payment system in China: the patient selection effect

Central Bank Digital Currency Implications

8.8% of this theme group

Works caution that CBDCs and cryptocurrencies may reshape banking roles and introduce new systemic risks.

Digital currency (76) · Cryptocurrency (53) · Currency (47) · Payment (104)

Central Bank Digital Currencies and payments: A review of domestic and international implications

Cryptocurrencies, Big Techs, central bank digital currencies and the changing role of banks in the payment industry: old wine in new bottles

Integrated Payment and Health Information Systems

22.1% of this theme group

Opportunities explore linking payment infrastructures with health‑care data for improved service delivery.

Payment (1,268) · Payment system (591) · Health care (67) · Information system (64)

Measuring payment system development

Design and Research of Virtual Payment System in Colleges and Universities

Mobile Money Expansion in Emerging Markets

16.9% of this theme group

Research highlights growth potential for cell‑phone banking and innovative mobile payment features.

Mobile payment (513) · Mobile business development (112) · Mobile technology (125) · Mobile device (201)

Mobile Money: Cell Phone Banking in Developing Countries

An Analysis of Features and Tendencies in Mobile Banking Apps

Behavioral Models for Payment Adoption

14.3% of this theme group

Studies develop and test acceptance frameworks to boost mobile payment uptake across cultures.

Mobile payment (685) · Technology acceptance model (159) · Payment (631) · Structural equation modeling (137)

Enjoyment and social influence: predicting mobile payment adoption

Mobile payment adoption: a multi-theory model, multi-method approach and multi-country study

Blockchain‑Enabled Secure Payments

13.5% of this theme group

Papers propose distributed ledger solutions to enhance transaction security and transparency.

Blockchain (158) · Payment (724) · Cryptocurrency (127) · Database transaction (284)

Blockchain Based Architecture and Solution for Secure Digital Payment System

Towards a distributed token based payment system using blockchain technology

Financial Literacy Driving Digital Payments

13.2% of this theme group

Research links improved financial knowledge to higher adoption of digital payment tools among SMEs.

Payment (682) · Database transaction (140) · Financial literacy (58) · Payment system (150)

Pengaruh Financial Knowledge, Perceived Ease of Use Serta Peran E-Commerce Terhadap Minat UMKM dalam Menggunakan Aplikasi Digital Payment

The Influence of Digital Financial Literacy on Digital Payment Adoption and Its Impact on the Financial Performance of MSMEs

Advanced Mobile Authentication Techniques

11.1% of this theme group

Works present NFC, biometric, and cryptographic methods to strengthen mobile payment security.

Computer security (347) · Mobile payment (431) · Authentication (120) · Near field communication (82)

A secure mobile electronic payment architecture platform for wireless mobile networks

Secure remote mobile payment architecture and application

FinTech Solutions for Inclusion

8.9% of this theme group

Studies showcase fintech innovations that expand access to financial services for underserved populations.

Financial inclusion (479) · Financial services (297) · Inclusion (85) · FinTech (107)

Mobile banking for financial inclusion in a developing economy

Fintech and Financial Inclusion: Evaluating the Impact of Mobile Banking on SME Growth in Sub-Saharan Africa

Toronto

43.7% across the displayed hubs

14 companies hiring · $280.3M disclosed funding

Vancouver

19.5% across the displayed hubs

4 companies hiring · $97.7M disclosed funding

Montreal

13.0% across the displayed hubs

4 companies hiring · $383.5M disclosed funding

Calgary

9.0% across the displayed hubs

3 companies hiring · $81.8M disclosed funding

Mississauga

5.3% across the displayed hubs

3 companies hiring · $10.0M disclosed funding

Ottawa

3.4% across the displayed hubs

0 companies hiring · $364.8M disclosed funding

Victoria

3.4% across the displayed hubs

0 companies hiring · $0 disclosed funding

Brampton

2.8% across the displayed hubs

0 companies hiring · $1.5M disclosed funding