TD

Great to join the 2025 Financial Times Global Banking Summit last week, where I joined Hemlata Narasimhan from Elavon Europe , and Sally H. from The Banker , for a discussion on the growth and impact of Embedded Finance on the Banking and Fintech landscape across North America and Europe. Embedded Finance is growing at a 25% CAGR and has been enabled through growth of gig economy, earned wage access and vertically integrated SaaS platforms powered through API integrations. It’s not only driving seamless payments experience across consumer applications but has become a strategic channel offered by banks to service their Corporate and Institutional clients with embedded ERP payment solutions. The next wave of innovation in embedded finance will be hyper personalized driven in part by the rapid innovation in smarter, faster #payments occurring globally. Thanks to Hemlata, Sally, Nisha Chandar-Nair, Soizic Steel and Financial Times for a fantastic conference! #DigitalBanking #FinanceInnovation #FTBanking

You know that feeling when you’re in the hospital and all you can think about is getting out? It doesn’t matter why you’re there. Most of us just want to be discharged so we can go home, settle into our own space and actually heal. A hospital can treat what’s in front of you, but the real recovery often happens in the places where you feel safe enough to rest. But “home” isn’t the same reality for everyone. For some, being discharged means heading back to the street, to a shelter bed that isn’t guaranteed tomorrow or to a place where rest just isn’t possible. That’s how people get caught in a cycle of returning to the emergency department, not because the care wasn’t good, but because nothing around them has changed. The Navigator Program at St. Michael’s steps in at that moment. It is community care in action. A navigator meets someone in the middle of their medical crisis and asks the questions that shape what happens next: Where are you sleeping tonight? Do you have income coming in? What needs attention so you’re not right back here next week? Then they stay connected long enough to help those answers turn into real support. A safe place to sleep. A specialist appointment. Help with paperwork. A path toward housing. Steady contact that keeps someone from slipping through the cracks. What I appreciate most about this program is that it treats people as whole human beings whose health is shaped by the conditions they’re living in. And it’s a reminder that recovery isn’t only about what happens in the emergency department. It’s about whether someone has the stability, safety and support they need once they walk out the door. St. Michael's Hospital Foundation https://lnkd.in/guJWSsnn

Larry Wieseneck and Grant Miller sat down with David Erickson to unpack the macro and political forces impacting markets and how TD Cowen's integration is driving client-focused solutions.

Yaron Werber sits down with Amgen's Dr. David Reese to explore how AI and machine learning are transforming drug development.

Dr. David Reese, EVP and CTO of Amgen, discusses how data-driven science is improving speed-to-market, scale, and success of clinical trials.