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Overnight Settlement: The Future of Banking and Fintech

Banking After Hours: Innovation, Competition, and the Future of Money
Salon Camden | September 16, 2026 | Toronto, Canada

Banking is being reinvented. As money moves faster, financial services migrate to smartphones, and digital assets challenge traditional systems, the question is no longer whether finance will change, but who will shape its future.

Against the striking backdrop of Toronto's waterfront, Salon Camden brought together leaders from Canada's banking and fintech communities for Overnight Settlement, hosted by Fintech North and Finity.

The evening featured a fireside conversation led by Alex Johnson, founder of Fintech Takes, and Kiah Lau Haslett, creator of Fintech Takes Banking, with David Merriby, CEO of the future KOHO Bank, and Eric Richmond, Country Director and CEO of Coinbase Canada.

From KOHO's ambitions to redefine everyday banking to Coinbase's role in the evolving digital asset economy, the discussion explored how emerging financial technologies are challenging established institutions and reshaping expectations around accessibility, speed, and convenience.

At the heart of the conversation were questions of competition, regulation, real-time payments, and trust. As fintech companies push the boundaries of innovation, the challenge is to create financial systems that are not only faster and more accessible, but also secure and reliable.

Over dinner and drinks, banking executives, fintech entrepreneurs, and industry professionals exchanged perspectives on an industry undergoing profound transformation.

Overnight Settlement captured a defining tension in modern finance: technology can change how money moves, but trust will determine which innovations endure.