Mobey Day Toronto speakers and participants discussed the converging factors driving the evolution of the financial services industry. From the indelible mark left by the pervasiveness of smartphones to recent developments in augmented and machine learning, attendees were treated to insights on how collaboration between financial services, fintech and government can contribute to redefining banking and payments. "The major winners will be financial services companies that embrace technology." Atakan Cetinsoy (@atakante) December 7, 2016 "People need banking, not banks." Wolfond is at #MobeyDay explaining #fintech solutions offered by @SecureKey-- Ryan Weaver (@ryandrjweaver) December 7, 2016 "Insurance companies are falling behind," was a repeated notion.