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Prepaid: Innovation without limitations

Modern payments innovation brings better and more inclusive financial services for consumers, businesses and governments. But the potential offered by open banking and a real-time rail is currently theory versus practice in Canada.

Enter prepaid: the modern payments technology platform flourishing in Canada, driving consumer-friendly competition and providing the gateway for exciting new ways to bank, transact, get paid and grow inclusive access to financial services.


Join us at the CPPO Symposium, where we celebrate payments innovation without limitations.



World-class presenters sharing exclusive content

Featured speakers of the 2023 CPPO Prepaid Symposium



Michelle Beyo 


Open Finance Network Canada Canada Interim President

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Digital Financial Institute

Ellis Odynn

Executive Director

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Sam Paulos 

Director, Prepaid Services

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Western Union

Jeff Johnson 

Chief Prepaid Officer

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Keep Technologies

Oliver Takach


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InComm Payments

Mark Smith

VP, Strategy and Business Development

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Ed Woodson

Chief Legal Officer 

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Peoples Group

Karen Budahazy 

CPPO Board Chair,
VP Digital Enablement and Issuing

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Kimathi Marangu

Global Head of Prepaid

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Nishant Raina

Director of Product Management for Small Business

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Member of Parliament

Adam Chambers

Simcoe North

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Simoun Ung

President & CEO

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Ronda Kent

Senior Account Executive, Government Solutions

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Blake, Cassels & Graydon LLP

Jacqueline Shinfield


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Lisa Covens

Senior Vice President, Public Affairs and Communications

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William Lam

General Manager

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The Fletcher Group

Jennifer Tramontana

Founder and President
CPPO Executive Director 

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Leslie Shaw

VP of Enterprise

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Bank of Canada

Ron Morrow

Executive Director, Supervision

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PAA Advisory | Conseils

Noah Niznick

Managing Director

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InComm Payments

Laura Titherington

Senior Director of Business Development

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Krishin Autar

Senior Manager, Operations

and Payments

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Innovation Lounge
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Innovation Lounge

What’s happening today that will become mass adopted tomorrow? Who is pushing the boundaries of what's possible for payments?

New this year is the Innovation Lounge, sponsored by Giesecke+Devrient. 

Visit the Innovation Lounge to hear from tomorrow’s leaders in payments or find the partner to take your program to the next level.

Sponsored By

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8:30 am - 9:00 am 

Registration and Continental Breakfast

9:00 am - 9:15 am 

Welcome Remarks - Jennifer Tramontana, CPPO Executive Director

9:15 am - 9:50 am 

What's on the global horizon for prepaid: a research presentation from Visa

Over the past year, Visa’s Prepaid team conducted quantitative and qualitative research on the attitudes of digitally savvy consumers in select markets across every region. In this keynote, Kimathi Marangu will share key findings on this critical group, and highlight the similarities—and differences—that they found around the globe.

Speakers:   Kimathi Marangu - Global Head of Prepaid, Visa

9:50 am - 10:25 am 

Canadian consumers love prepaid (even if they don't know it)

As a $9B industry, prepaid is no longer just a physical card-based experience; it’s now embedded into transactions in ways that are invisible.  Consumer research from Leger uncovers how Canadian consumers are using and loving prepaid, even if they don't know prepaid is enabling the experience.


Speakers:   Lisa Covens - SVP, Public Affairs and Communications, Leger

10:25 am- 11:10am

Innovation Lounge (sponsored by Giesecke + Devrient) and Break

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11:10 am- 11:45 am

Keynote address on financial services innovation policy

Speaker:  Adam Chambers - Member of Parliament for Simcoe North and Conservative Deputy Shadow Minister for Finance and Middle Class Prosperity  

11:45 am- 12:20 pm

Playing to win: how prepaid is raising the stakes on gaming and gambling payments


In newly regulated iGaming environments such as Ontario, payment technology helps operators differentiate their brand from competitors and drive customer acquisition and loyalty. Learn from industry leaders at Incomm Payments how prepaid is enabling a payment experience that matches the ease of the customer experience in this fast-growing market.

Speakers:  Laura Titherington - Senior Director Business Development, Incomm Payments

Mark Davison Smith - VP, Strategy and Business Development, Incomm Payments

Krishin Autar - Senior Manager, Operations and Payments - Canada, PointsBet

12:20 pm- 1:40 pm

Innovation Lounge and Lunch

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1:40 pm - 2:15 pm 

Modernizing government payments to better serve constituents


Consumers and businesses have adopted digital payments for everything from paying bills and suppliers to ordering groceries and inventory. But what about governments? The public sector is leveraging technology to improve disbursements while driving greater efficiency into operations through the elimination of cheques. This panel will discuss US and Canadian case studies in delivering government payments safely and efficiently for disasters, emergencies, stimulus and social services.

Moderator:  Noah Niznick - Managing Director, PAA Advisory | Conseils

Speakers:  Simoun Ung - President and CEO, OmniPay

Sam Paulos - Director Prepaid Services, RBC

Ronda Kent - Senior Account Executive, Government Solutions, Visa

2:15 pm - 2:50 pm

99% banked isn’t 100% accurate


While Canada may claim that 99% of the population has access to a bank account, about 10% of the population doesn’t “bank” in traditional ways. And a growing segment is turning away from traditional financial institutions and adopting digital-first tools and institutions. How do we continue to improve the financial health of the underbanked and growing "branchless" consumer segment? What role might open banking play in helping more Canadians manage their money?

Moderator:  Ellis Odynn - Executive Director, Digital Finance Institute


Speakers:  Michelle Beyo - CEO, Finavator and Interim President, Open Finance Network Canada

Jeff Johnson - Chief Prepaid Officer, Western Union

Leslie Shaw - VP of Enterprise, Koho

2:50 pm - 3:25 pm

Real time innovation, without the RTR. How payments innovations are happening today, while we evolve the rails of tomorrow


The rapid growth of the Canadian open-loop prepaid market has cemented the case for prepaid being the innovation rail of choice in Canada. This panel discussion will explore how prepaid technology has become the preferred payment rail for emerging fintechs and established financial institutions bringing new and innovative products and services to market and what this means for the future of real-time payments.

Moderator:  Karen Budahazy -  CPPO Board Chair and VP Digital Enablement and Issuing, Peoples Group


Speakers: William Lam - General Manager, Jeeves

Oliver Takach - Co-Founder and CEO, Keep Technologies

Ed Woodson - Chief Legal Officer, Onbe

3:25 pm - 4:10 pm

Innovation Lounge (sponsored by Giesecke + Devrient) and Break

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4:10 pm - 4:45 pm

Consumer-friendly banking and financial services: a look at Canada's current global competitiveness and leadership potential


An intimate conversation with Bank of Canada's Executive Director of Supervision, Ron Morrow.


Moderator: Jacqueline Shinfield - CPPO Legal Advisor and Partner, Blake, Cassels and Graydon


Speaker: Ron Morrow - Executive Director, Supervision, Bank of Canada

4:45 pm - 5:20 pm

The expansion of prepaid for small business

Speakers:  Nishant Raina - Director of Product Management for Small        Business, Mastercard

5:20 pm - 5:30 pm

Closing Comments


Speaker: Karen Budahazy - CPPO Board Chair, Vice President Digital Enablement and Issuing, People's Group

5:30 pm - 6:30 pm

Networking Reception  - sponsored by DC Bank

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The Venue


317 Dundas St W, Toronto, ON M5T 1G4

Powerful experiences take shape when art meets architecture. Designed by world-renowned, Toronto-born architect Frank Gehry, the Art Gallery of Ontario is Gehry’s first building in Canada and marks his initial connection between art and architecture. 

The Art Gallery of Ontario is one of the largest and most distinguished art museums in North America. From cutting-edge contemporary art to masterpieces by Indigenous and Canadian artists, the museum has something for everyone. As a Toronto cultural icon, the AGO attracts a million visitors every year.

Network with your peers and join thoughtful discussions in this inspiring space.


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