Category Archives: Innovation and Resources

OwlTing Targets $230B US Remittance Market

Feb 18, 2026 | NCFA Fintech Market Activity | Payments and Remittances

Freepik digital remittances

Image: Freepik

 

Visa Direct Push Payments Challenge Cross Border Transfer Fees

On February 17 2026, OwlTing announced the launch of OwlPay Cash targeting the $230B US outbound remittance market, introducing a retail remittance app built on Visa Direct rails and supported by US money transmitter licences across 40 states.

OwlPay Cash enables local currency payouts directly into eligible bank accounts and launches with five remittance corridors Mexico, India, Colombia, Peru, and Argentina, with plans to expand to 26 regions, including Canada. Cross River Bank is mentioned as a US settlement partner.

Visa Direct integration allows push to account transfers that can settle near real time where supported. OwlTing positions the product around fee transparency, removal of monthly charges, and improved delivery speed compared to traditional SWIFT based transfers.

This puts OwlTing into a competitive field shaped by digital remittance leaders such as Wise and Remitly, both of which emphasize transparent FX pricing and fast digital delivery. Wise promotes mid market exchange rates and variable delivery speeds depending on funding method and corridor. Remitly offers tiered speed options across bank deposit and cash pickup channels. OwlTing’s differentiation rests on Visa Direct rails and corridor focus, but price execution and delivery reliability will determine competitiveness.

For Canadian fintechs, the implications are direct. Canada consistently ranks among the world’s larger remittance markets, with strong outbound flows to Asia, Latin America, and Africa. If US based apps normalize faster push payments and cleaner fee disclosure, Canadian providers will face rising consumer expectations. Platforms serving newcomers, gig workers, and cross-border small businesses will need to match or exceed that standard.

Darren Wang, Founder and CEO, OwlTing Group:

“For too long, cross-border payments have burdened U.S. immigrants and freelancers supporting families abroad with high costs and slow speed.”

Talking Point

If Visa Direct powered remittance apps scale in the United States, will Canadian fintechs compete on speed, FX pricing transparency, corridor specialization, or integrated financial services?

See:  Reducing The Costs of Remittances

Remittance economics are tightening. Card network push rails reduce settlement friction. Regulated banking partners add compliance credibility. Canadian operators that rely on slower correspondent banking flows may face margin compression if similar models expand north or partner locally.


NCFA Jan 2018 resizeThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer to peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Top Secure Crypto Exchanges for Canadian Investors in 2026

February 18, 2026

AI generated, Secure crypto exchanges

Image AI generated

Canadian cryptocurrency investors operate within a strictly regulated and highly secure environment. The Canadian Securities Administrators (CSA) and FINTRAC have established rigorous standards for digital platforms. Investors should choose exchanges registered with Canadian regulators like CSA or CIRO. Top exchanges use cold storage and strong authentication to help protect user assets. Every investor should understand the regulatory landscape before committing their hard-earned capital. Safety remains the primary concern for Canadians participating in the evolving digital economy.

Bitbuy and Institutional Custody

Bitbuy remains a premier choice for Canadian investors seeking maximum regulatory security. The exchange is registered with CIRO and the OSC to serve Canadian investors. Security protocols include keeping over 90 percent of user assets in cold storage via regulated custodians. Bitbuy holds crypto in its integrated crypto wallet with Coinbase, BitGo, and Tetra as trusted custodial partners. This structure ensures that your digital assets remain safe from unauthorized external access. The exchange has successfully processed billions in trades without experiencing a major hack. Investors benefit from a platform that mimics the security of traditional banking institutions. Bitbuy represents a benchmark for safety within the competitive Canadian cryptocurrency trading landscape.

NDAX and Advanced Compliance

NDAX provides a robust trading environment by prioritizing rigorous security certifications and compliance. The Calgary-based exchange holds a SOC2 Type II certification for its internal controls. This standard proves that their security systems meet high global data protection requirements. NDAX keeps most crypto offline with multi‑signature cold wallets using Ledger Vault security. It restricts transfers by allowing withdrawals only to whitelisted, verified wallet addresses. These tools empower users to maintain granular control over their own account safety. NDAX is registered with FINTRAC and follows Canada’s anti‑money‑laundering rules. Low trading fees do not compromise the professional security standards maintained by NDAX. This platform is ideal for those who value transparency and high technical safety.

Coinbase and Global Standards

Coinbase has solidified its position in Canada by obtaining a Restricted Dealer license. As a publicly traded entity, the company undergoes frequent audits and financial reviews. They offer a secure interface that integrates seamlessly with Canadian banking through Interac. Security features include mandatory two-factor authentication and advanced biometric login for mobile apps. Coinbase supports strong authentication options, including hardware‑compatible 2FA. Other crypto platforms, such as DeFi trading apps and an online casino that accepts crypto, also implement similar security and verification measures to protect users’ funds. These measures drastically reduce the risk of account takeovers from unauthorized entities. The platform stores the vast majority of customer funds in secure offline vaults. Coinbase collects and reports crypto tax information under CARF as required by law. This global giant offers localized reliability for Canadians looking for a trusted name.

Wealthsimple and Regulated Investing

Wealthsimple offers a simplified approach for investors who prefer an all-in-one financial app. The platform is a member of the Canadian Investment Regulatory Organization for safety. Wealthsimple uses robust compliance and security controls for crypto, consistent with other investments. Wealthsimple holds client crypto in trust with multiple regulated custodians, including Gemini. For instance, Wealthsimple monitors crypto transactions for suspicious activity using industry analytics tools. This proactive monitoring detects suspicious activity and reduces potential fraud risks. Assets are protected by cold storage solutions that are disconnected from the internet. The app provides a familiar and secure gateway for traditional investors entering crypto. Wealthsimple ensures that every digital trade follows the strict guidelines of Canadian law.

Navigating the Secure Canadian Crypto Landscape

Selecting a platform in 2026 requires a focus on regulation and technical safety. Canadian investors should prioritize exchanges that maintain registration with the CSA or CIRO. Most regulated Canadian crypto platforms now use cold storage and multi‑signature wallets for protection. Tools such as hardware 2FA and transaction monitoring provide essential layers of digital defense. As the CRA implements new reporting frameworks, compliance has become a primary requirement.

See:  Apex Group Pilots WLFI USD1 Stablecoin for Tokenized Funds

Reliable platforms offer a balance between user convenience and robust institutional-grade security protocols. Every Canadian should perform due diligence before depositing funds into any digital wallet. Understanding these core principles ensures a safer experience within the modern crypto economy. Choosing regulated partners helps protect a financial future against the various emerging cyber threats. Secure investing remains the most effective way to participate in this growing market.


NCFA Jan 2018 resizeThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Nuvei Powers Nautilus Plus Omnichannel Expansion

Feb 18, 2026 | NCFA Fintech Market Activity | Payments Infrastructure

AI image Nautilus Plus Selects Nuvei to Power Omnichannel Payments

Unified Payments Across Physical And Digital Fitness Channels

On Feb 17 2026, Nuvei announced a partnership with Nautilus Plus to power omnichannel payments across its Quebec gym network and integrated digital platform, Ultime Fit.

The integration was completed in six weeks, a fraction of the typical six-month cycle for omnichannel payment rollouts. Nuvei’s modular payment infrastructure now handles point-of-sale, mobile, and online transactions in a unified flow, aligning billing, reconciliation, and member onboarding across the physical and digital experience.

See:  Nuvei MiCAR CASP License For EU Crypto Services

Phil Fayer, Chair and CEO of Nuvei said the speed of delivery reflects a shared focus on improving member experiences.

"Delivering a fully omnichannel integration at this pace is extremely rare, and it shows what is possible when both teams are equally committed and aligned. We are proud to support a Canadian brand that brings real innovation and meaningful lifestyle change to the fitness community."

Martin Légaré, President and CEO at Nautilus Plus, added that seamless payments for both gym members and Ultime Fit users were essential for delivering a consistent experience.

For Nuvei, this engagement demonstrates practical enterprise payments impact in a sector where high volume and diversity of channels, such as in-person, subscription, and digital content, all demand consistent reconciliation and predictable cash flow and settlement times. Merchants that unify payment flows reduce operational friction and improve financial insights, which matters for weekly cash reporting and monthly accrual accounting.

Nuvei recently secured shareholder approval for its $6.3B Advent International buyout approval, reinforcing its transition into private ownership.

Talking Point

Unified omnichannel payment platforms reduce reconciliation complexity and can strengthen merchant economics. When fintech infrastructure providers deliver rapid, reliable integrations, what operational and competitive advantages can smaller verticals, like fitness and wellness, unlock compared with players on legacy payment stacks?

For fintech builders and operators, this partnership demonstrates how integrated payments can serve both physical and digital channels with a single platform, improving predictability and member experience without sacrificing controls.


NCFA Jan 2018 resizeThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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AI Coding Race Intensifies: GPT 5.3 Codex vs Claude Opus 4.6

Feb 17, 2026 | NCFA Fintech Market Activity | AI and Developer Infrastructure

Freepik Two AI agents celbrating new years

Freepik Two AI agents celbrating new years

Enterprise Grade Coding Agents Compete for Developer Control

On Feb 5 2026, OpenAI launched GPT 5.3 Codex and on the same day competitor Anthropic launched Claude Opus 4.6 both major updates that evolve AI assisted software development from helpful autocomplete towards longer running agent style work that can plan, review, and debug across real codebases.

OpenAI describes GPT 5.3 Codex as its most capable agentic coding model so far and says it runs 25% faster than the prior generation while combining stronger coding performance with improved reasoning for professional workflows. This update matters in practice because speed changes behaviour. When a model returns usable work faster, teams try more tasks, run tighter loops, and start trusting the agent with bigger pieces of the build.

Anthropic frames Opus 4.6 as an upgrade to its smartest model and says it improves planning, sustains agentic tasks for longer, operates more reliably in larger codebases, and gets better at code review and debugging so it catches its own mistakes. Anthropic also says Opus 4.6 includes a 1M token context window in beta, which points straight at the enterprise reality of sprawling repositories and long technical histories that never fit cleanly into small prompts.

See:  AI Agents Gain Identity and Wallet Access WCGW

Once AI coding agents start handling larger chunks of work, the bottleneck (read human programmers) changes from writing code to proving that the code is safe, compliant, and traceable. For fintechs and financial institutions, that means stronger SDLC controls, tighter review gates, clearer model use policies, and improved audit trails and incident response.

Development teams that treat agent output like a black box will create new operational risk. Teams that treat AI agents like a new developer class with strict controls can amplify delivery speed without losing accountability.

As AI coding agents mature, the competitive edge goes from model novelty to measurable enterprise output, reinforcing the ROI thesis around return on intelligence in finance. The winners will not be the teams that generate the most code. The winners will be the teams that ship faster while keeping controls intact, then turn that delivery speed into better products, lower operating cost, and tighter feedback loops with customers.

With every new update and release, every dev tool vendor and cloud provider deepens their own agent workflows, raising pricing pressure, and the fight for default placement inside IDEs, repos, CI pipelines, and enterprise procurement. If your stack standardizes on one agent layer, switching later will feel like migrating a core platform, not swapping a plugin.

For Canadian fintechs weighing build versus buy, the question isn't whether to use coding agents. The question is how to build an operating model around them. Practical guidance on building enterprise AI agents can help teams decide what stays in house, what stays vendor managed, and what governance needs to exist before agents touch regulated codepaths.

Talking Point

AI coding agents continue to get more capable and are becoming embedded in more real workflows. When your team adopts one as a daily builder, what controls will you require so you can move faster without weakening security, testing discipline, and auditability?

For fintech builders, the near term edge comes from shipping faster while keeping standards high, and from choosing an AI developer stack that doesn't trap you with a single vendor later.


NCFA Jan 2018 resizeThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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UK Crowdfunding Caps Lift As EU Pushes €12M

Feb 10, 2026 | NCFA Fintech Market Activity | Alternative Finance and Capital Markets

AI Image, Equity Crowdfunding Caps

UK POP Rules Lift Fundraising Caps For Crowdfunded Equity

On February 10 2026, UK POP rules go live, removing the old prospectus trigger that made large public raises expensive, slow, and out of reach for many private companies.

What Changes In The UK

For years, UK companies faced a hard line. If a business raised more than €8 million in securities from the public in a year, it had to produce a full prospectus (NB: the UK retained that euro-denominated threshold in its domestic framework post-brexit). Crowdcube says that prospectus costs could cost more than £250,000 and take months, which pushed many companies away from public community rounds even when demand existed.

See:  UK Launches PISCES to Modernize Capital Markets

Under the Public Offer Platform regime, raises above £5 million now run through a regulated POP, and the regime removes the upper fundraising cap for those offers (No more funding caps). Raises under £5 million remain outside the POP requirement, but regulated execution and investor protection expectations still apply.

Platforms now carry more responsibility for diligence, disclosure quality, and investor safeguards. That shifts the burden from a giant issuer document to a supervised platform process that can move faster.

Global Caps Are Moving.  Is A New Policy Window Opening Up?

The UK is not alone. In the United States, Crowdfund Capital Advisors submitted a $20M Reg CF petition asking the SEC to raise the Regulation Crowdfunding cap from $5M to $20M. In Europe, the European Digital Finance Association are pushing to increase the ECSP threshold from €5m to €12m.

After years of advocating, Canada finally harmonized nationally its startup-crowdfunding exemption in 2021, but regulators have kept the issuer cap conservative. Under National Instrument 45 110, eligible issuers can raise up to $1.5m in a 12 month period, which a growing company can quickly outgrow and end up soon looking for more funding via heavier paths for larger rounds. If the government wants to prioritize funding scape-ups, they should take another look at increasing equity crowdfunding caps in Canada to be in line with global peers.

See:  CSA Proposes $50K Harmonized Self Certified Investor Exemption

This funding cap tension isn't new.  In fact NCFA has been advocating for the OSC and CSA to raise issuer funding caps for years.  In 2017 for example, NCFA petitioned to raise caps to modernize equity crowdfunding in Ontario.  In 2019, $5m cap formed part of NCFA's recommendations to reduce regulatory burden and unlock growth capital. Again in 2020, during national harmonization discussions, NCFA advocated to modernize NI 45 110 including increasing caps to $5 million so the framework could match real funding needs in a digital economy.

Now with the UK FCA removing prospectus triggers and the US and EU push for higher caps, there may be a new policy window for Canada's equity crowdfunding participants to petition yet again. If other jurisdictions support $10m to $20m community rounds under platform oversight, Canada needs to decide whether it wants founders scaling here or structuring growth capital elsewhere.

A higher ceiling, including a path toward $5m and beyond, would better match growth stage reality while keeping platform level investor protection front and centre. The global direction of travel now strengthens the case for a renewed Canadian push grounded in data, experience, and competitiveness.

Talking Point

If regulated platforms can run larger public offers without a prospectus wall in the UK, what should Canada do next, raise the ceiling, create a platform lane for larger rounds, or keep the cap and accept that growth capital routes around Canada?

See:  Public Market Challenges and Equity Crowdfunding Capital

One practical takeaway stands out. POP style rules treat the platform as the compliance spine, not the issuer. That design can cut cost and time while still demanding clear disclosures, suitability controls, and due diligence at the point of sale. While Canada doesn't necessarily need to copy the UK, it does need a credible path for larger community rounds that doesn't force founders into a prospectus sized bill before they have the scale to absorb it.


NCFA Jan 2018 resizeThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer to peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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BrewDog Equity For Punks Sale Puts Retail Investors At Risk

February 17 2026 | Equity Crowdfunding and Retail Investors

Freepik pressfoto, investing

Image: Freepik/pressfoto

Retail Investors Face Potential in BrewDog’s Sale Outcome

On February 16 2026, multiple UK reports say BrewDog has hired advisers to explore a potential sale after years of losses and slower growth. As a result, about 220,000 Equity for Punks retail shareholders may lose money depending on deal structure and payout priority.

Do you remember the Equity for Punks BrewDog story from years past?  It was a story of community empowerment in the early days of the equity crowdfunding movement.  NCFA and established partners like Crowdfund Insider tracked that momentum, such as when when BrewDog plans a $50M US equity crowdfunding round.  The story today however offers practical lessons about capital structure, liquidity, and investor protection.

From Crowdfunding Pioneer To Sale Process

BrewDog built one of the most visible equity crowdfunding programs in the world through Equity for Punks. The model gave everyday consumers direct exposure to private company ownership and it proved that brand and community could mobilize serious capital.

In 2017 however, BrewDog took a major private equity investment from TSG Consumer Partners. Reporting in The Guardian describes preferential rights that sit ahead of common shareholders in a sale. That structure now drives the risk for small shareholders in the current sale process, based on how the deal structure affects what retail shareholders receive in a sale.  The core point is simple. Structure governs outcomes in private markets.

Phil Halsey (47) invested about £2,500, starting in the second cash call in 2011:

“It’s extremely disappointing that it’s gone this way,” said Halsey. “The last time you could have done some form of cashing out was about a year and a half ago.”

Lessons Learned For Equity Crowdfunding Investors

1. Capital stack always decides the payout. Retail investors often focus on brand, traction, and growth narrative. Professional investors focus first on the capital stack. If a preferred investor holds liquidation preferences or other senior rights, that investor receives sale proceeds first. Common shareholders receive what remains. In a strong exit everyone wins. In a weaker exit, common shareholders may receive little or nothing. Investors should read share class terms and understand exactly where they sit before they invest.

2. Liquidity risk shows up at the worst time. Equity crowdfunding expands access, but it rarely guarantees a clean exit path. If investors rely on one big liquidity event, timing risk becomes real. Investors should treat these positions as long duration holdings. Founders and platforms should design credible liquidity pathways where rules allow, because trust grows when investors understand how they can eventually exit.

See:  The Real Story of Access to Capital

3. Growth narratives do not replace unit economics. The sale process follows years where BrewDog reported losses. When costs rise and category growth cools, expansion heavier models feel pressure quickly. Investors should challenge founders and operators on the road to profitability, not just the top line story. Founders should align growth with durable margins, because narrative alone doesn't protect valuation.

4. Community builds momentum but it does not hedge downside. Equity for Punks turns customers into owners and it proves that community capital can scale a consumer brand. That impact remains real. Yet community alignment does not override contractual rights in a sale. Retail investors should value perks and participation for what they are, and they should separate those benefits from expected financial return.

Why It Matters

BrewDog's case encourages retail investors to have more mature conversations about disclosure, investor education, and deal structure literacy. For Canada, the case reinforces why clear explanations of share classes, payout priority, and realistic liquidity expectations are important for investor protection and long term market credibility.


NCFA Jan 2018 resizeThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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Nmbr-Powered Payroll First Embedded In Canadian HR Stack

Feb 17, 2026 | NCFA Fintech Market Activity | Payroll and HR Tech

Freepik Blue payroll binder

Image: Freepik

Collage Embeds Payroll Powered By Nmbr In Canada

On February 17 2026, Nmbr announced the Collage Payroll launch, positioning it as the first benefits connected HR platform in Canada to embed payroll inside its HR workflow. Collage says customers can onboard employees once, manage time off and timesheets, and sync HR, payroll, and benefits data through a single login.

Collage says it began partnering with Nmbr in 2024 to build payroll directly inside its HR and benefits workflow (see embedded finance). Then in September 2024, Nmbr announced that they raised CAD $7.6M for Embedded Payroll in Canada. An early rollout in 2025 showed traction, with clients ranging from one to hundreds of employees already using the embedded payroll functionality.

The announcement also calls out real operating pain being solved. Research says nearly a third of businesses spend more than 30 hours a week managing data across payroll and other systems. Collage and Nmbr are betting that fewer handoffs reduces admin burden, lowers compliance risk, and cuts the error rate that shows up every time a hire, pay change, benefits update, or termination forces duplicate data work.

See:  Walnut Insurance Raises $4.6M for Embedded Tech Expansion

Mark Bluvshtein, Chief Executive Officer, Collage, and Vice President of HR Solutions at People Corporation:

“Payroll has been the number one request from our customers for years. Even when HR and payroll systems work closely together, businesses still feel the friction of managing two platforms. Bringing payroll directly into Collage allows us to finally deliver a single system that manages it all, reducing complexity and giving employers far greater control.”

Nmbr positions itself as payroll infrastructure rather than a standalone payroll brand. Nmbr handles core payroll requirements including payments, compliance, and data accuracy, so platforms can ship payroll inside their own products without rebuilding the hardest pieces from scratch. Noteworthy that Nmbr’s founding team previously helped build and scale Humi, while Collage points to leadership experience across Wave and Humi.

Simon Bourgeois, Chief Executive Officer, Nmbr:

“Payroll is one of the most complex systems a business can run, which is why so few companies have tried to build it themselves. By partnering with Collage, we’re enabling payroll to be built the right way, fully embedded, compliant, and designed for Canadian businesses. This partnership shows what’s possible when modern payroll infrastructure meets a platform that deeply understands HR and benefits.”

Talking Point

As more HR platforms embed payroll, what becomes the differentiator for employers, accuracy and compliance controls, speed of implementation, or the ability to bundle payroll with benefits and other people operations workflows without extra vendors?

See:  VoPay & Sage Revolutionize SMB Payroll Solutions

Embedded payroll changes the competitive map for HR platforms in Canada. If payroll lives inside the HR and benefits workflow, employers stop treating payroll as a separate purchasing decision and start treating it as a built in capability. That dynamic rewards platforms that control the end-to-end workflow and can keep payroll accurate across provinces, remittances, and reporting cycles.


NCFA Jan 2018 resizeThe National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org

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