Paul Margarites | Source | Head of Commercial Digital Platforms at TD Bank

If I use TD [Bank] as a commercial client, I might use TD for my payments, I might use TD for my receivables, I might use TD for my trade, finance or lending. What we’ve done — and continue to do — is connect those experiences via APIs into a single experience through our commercial digital portal, so that the client gets the benefit of the various systems but in a single, unique experience. There are FinTechs out there, for instance, that are looking to do cash flow forecasting for clients. If a client has multiple banks, they can look to those FinTechs for cash flow forecasting, in which case we can deliver our APIs to those FinTechs to provide the clients with the experience they look for.