COVID has created a massive need for on line banking and payment services. Although, this has been a long time coming, COVID has catapulted this cashless method of payment to new levels. To help us understand what happens behind the scenes is Diana Fletcher. Diana is the President and co-founding partner of DCR Strategies Inc. and brings more than 30 years of experience in banking and payment solutions to the Metrolinx Board of Directors. As President of DCR Strategies, she spearheaded the development of Mondex and Visa Cash payment card chip technology, developed loyalty programs for Canada’s big five banks, and launched the very first Mastercard Prepaid reload network in Canada.