How CGI supports Real-Time Rail (RTR) implementation

 

Payments advisory services
  • Mobilization planning and execution
  • Design requirements documentation & validation
  • Assessment of current state vs target state
  • Process review and redesign
  • Technical Analysts / Business Analysts / Product Specialists
Exchange interface development & testing
  • Interac Exchange: Support for upcoming changes to Interac e-Transfer APIs and workflow
  • RTR Exchange: Enable direct connectivity via RTR APIs
  • Implement support for ISO 20022-based cross-border transactions
Fraud workflow integration
  • Integrate e-Transfer and RTR transactions with existing fraud monitoring, sanction screening systems
  • Integrate RTR fraud scoring and payee verification processes
Industry testing support
  • Full spectrum of testing services to help advance readiness to participate in RTR industry testing program
  • Real-time specific test strategy and test plan
  • Development of use case specific supplemental test cases
  • Test automation and tooling
Operational readiness
  • 24x7 Operating Model – Accelerating the shift from end-of-day batches to round-the-clock support for RTR interfaces, payment applications, and customer service — including call volume analysis and shift planning for optimal coverage
  • Resiliency – Building active / active processing capabilities, application monitoring and process automation as RTR service level agreements (SLA) will not support scheduled downtime
Developing RTR overlay services
  • Design and test new payment products tailored for business segments

 

Payments Canada Summit 2026

 

The business case for overlays — building value on the Real-Time Rail

With the launch of Canada's Real-Time Rail (RTR) approaching, financial institutions have an opportunity to create value beyond the payment infrastructure through overlay services. This discussion will explore how capabilities such as QR codes and request-for-payment can enhance customer experiences, create new revenue opportunities and help Canadian institutions differentiate, drawing on lessons from markets where real-time payments have experienced rapid growth.

Speakers:
Michael Liberty, Vice-President, Global Money Operations at CIBC
Abraham Tachjian, Chief Regulatory Affairs Officer at Brim Financial
David Hooper, Vice-President, Banking & Payments at CGI
 

 

Listen the podcast now

 

 

 

 

 

Why partner with us?

We bring deep domain expertise, agile development practices, and a track record of helping financial institutions succeed in high-stakes transformation initiatives.

 

Let’s talk RTR.

How can we support your RTR journey?

 

Contact us today