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Matt Spoke: Rogers outage highlights desperate need for Interac competition


As with many Canadians, I woke up on July 8th wondering why my cell phone wasn’t working. At first, I thought I must’ve missed a bill payment (or several), but eventually clued in that my wife’s phone wasn’t working either.

Luckily, my home internet connection is with Bell, so I was able to get on with my day and not worry too much about it. Then my wife reminded me that I was supposed to transfer her some money, so I logged into my bank and initiated an Interac e-transfer….Nope, never mind. That wasn’t working either. 

Ultimately, it wasn’t the end of the world—12 hours later, my service was back, I completed my e-transfer, and I frankly enjoyed a bit of forced digital detox. But the whole experience still shocked me. 

Looking beyond the slight inconvenience I experienced, it was clear that there were bigger impacts being felt by the Rogers outage. Small businesses could not accept Interac payments; 911 Emergency Services experienced crucial interruptions; employees could not log in to work.Businesses lost more than internet during Rogers outage: ‘Our sales were diminished’ I’m sure there were many more significant impacts that we’ll never hear about. 

How did we get to a place as a country where a simple error by one company can so negatively impact a huge percentage of our economy, our population, and some basic services that have become the critical infrastructure to the basic functioning of our society.

Luckily, today, I feel vindicated, hearing the news that Rogers would generously credit five days’ worth of service back to my account for “only” interrupting my coverage for less than one day. We should all flock back to Rogers with gratitude.

Jokes aside though, it’s too easy to simply turn the blame on Rogers. But we’ve built a system that allowed this to happen, and it could’ve just easily happened to Bell or Telus. 

There are some obvious questions being raised about the need for more competition in our Telecom industry, but I’ll leave that to others to comment on. The most surprising outcome of this line of thinking is NDP Leader Jagmeet Singh advocating for more competition in the industry. I would’ve thought the NDP would take this opportunity to advocate for a nationalized telecom provider, but I guess Jagmeet needs to ensure continued access to TikTok so he doesn’t want to get too crazy with his views on this file. 

And I think the first step taken by the federal government has merit: that the big Telecom companies be required to work together to mitigate the impacts of nationwide outages by providing each other backup network access so that, at minimum, no one in the country goes without emergency services.

One way or another, I have no doubt that our Telecom industry will become more resilient after this, and I hope that that includes increased pressure for more competition.

What is more astounding to me though, is how this outage impacted our national payment system, and how we continue to allow Interac to operate with monopolistic power after continuously showing us an unacceptable level of complacency and incompetence. 

Interac came with this statement after the outage:

“We are adding a supplier (besides Rogers) to strengthen our existing network redundancy so Canadians can continue to rely on Interac daily,” Interac told Reuters in a statement.Canadian payments system Interac says adding backup network supplier after Rogers outage

Is it too much to ask that the one payment service available to Canadians be designed with system redundancy before this type of event occurs?

Many readers will also remember the nationwide Interac outage back in 2017 that took the payment network offline for two days.Interac system hit by technical problems Unfortunately for the Federal Government at the time, there were no competitors (like Bell or Telus) they could force Interac into mitigation strategies with. Why not?

We’ve allowed a single company—owned and controlled by our biggest banks—to become a single point of failure in our economy. This is unacceptable, and we’ve now experienced the consequences twice in five years.

While most of the political energy will be spent scrutinizing the Telecom industry after last week’s events, let’s not let Interac get off the hook by focusing solely on Rogers.

We should have more payment options in Canada, and the banks should be forced to get out of the way and let this happen. Ironically, Payments Canada, the association representing this industry, has had a mandate to become more “independent from the big banks” and lead a payment system overhaul. The result? Last year, Payments Canada handed a contract to Interac to build a modern real-time payment system…You can’t make this stuff up.

A few short years ago, I was ecstatic to hear that Canadian fintech darling Wealthsimple was launching a new product called Wealthsimple Cash to directly compete with Interac on peer-to-peer payments and bring a “Venmo” experience to Canada.Wealthsimple Launches Peer-to-peer Payment Cash App Nationwide Earlier this year they shelved this plan and announced that users could now Interac e-transfer money from within their Wealthsimple account.

I have no doubt that there were significant pressures stacking up against Wealthsimple behind the scenes that ultimately forced them to drop their competitive approach to Interac.

Where was the Competition Bureau? Where was Payments Canada?

It’s time to reopen this debate. We need more competition in Canadian payments. Now.

Alison Nirula: China’s persecution of Uyghurs highlights the UN’s glaring flaws


For all of its high-minded aspirations, the disparate ways in which the United Nations has dealt with recent instances of repression and crimes against humanity highlight some of its most fundamental flaws. When institutions act to address similar circumstances in inconsistent ways, the credibility and effectiveness of the institution itself must be examined. 

Contrast, for instance, the UN’s response to the plight of the Rohingya in Myanmar with its response to the persecution of the Uyghurs in Xinjiang, China.

In recent years, the UN has taken a spotlight to the persecution of the Rohingya population in Myanmar, sending an Independent International Fact-Finding Mission to uncover and report on the atrocities being committed there by the state. The investigative team released an official report in 2019 which stated that the 600,000 Rohingya remaining inside Myanmar face systematic persecution and live under the threat of genocide.Myanmar’s Rohingya Persecuted, Living under Threat of Genocide, UN Experts Say

The report concluded that Myanmar incurs state responsibility under the prohibition against genocide and crimes against humanity, and should therefore be brought before the International Court of Justice for failing to honour its obligations under the 1948 Genocide Convention.

They also called on the UN Security Council “to refer Myanmar to the International Criminal Court or to establish an ad hoc tribunal, like the ones for the former Yugoslavia and Rwanda.”

At the same time, the genocide of the Uyghur Muslims in China has been ongoing and, within the last 50 years, the persecution has intensified. Uyghur Muslims are being detained in “re-education camps” by Chinese officials, with the goal of changing and taming the habits, thoughts, and opinions of the Uyghur people.China’s Repression of Uyghurs in Xinjiang In reality, these camps are more akin to detention centres.‘It’s hard to describe the pain’: Interview with a Chinese Olympic prisoner More than 40 countries have challenged China over the abuses done against the Uyghur population.

Yet, the UN has yet to take meaningful action against the country even though it was created in 1945 to “maintain international peace and security, and to that end: to take effective collective measures for the prevention and removal of threats to the peace, and for the suppression of acts of aggression or other breaches of the peace.” United Nations Charter, 1945,force%20on%2024%20October%201945.

In response to the Uyghur genocide, the UN released a statement urging the Chinese government to “immediately cease any such measures that are not fully compliant with international law, norms and standards relating to human rights, including the rights of minorities.” Additionally, member states of the United Nations issued statements speaking out against the human rights abuses taking place in China, which was eventually followed by the request for China to allow access for observers into the Xinjiang region to determine the events taking place there. China has refused any investigation.

This tepid response leaves many questions. The UN has shown its capabilities to respond quickly and harshly toward other instances of genocide, such as the Rohingya genocide in Myanmar, yet why is there such little action being taken against China for its human rights abuses? In what ways can the UN speak out about the Uyghur genocide? What factors play a role in the UN’s response, or lack thereof?

In order to answer these questions, the basic structures and functions of the UN Security Council and the International Criminal Court must be discussed. These two branches of the UN are the most common avenues for pursuing action against a country’s harmful behaviour; however, while these have been used to condemn other countries and hold them accountable, neither of these are practically viable mechanisms for redressing the wrongdoings of China.

First, the UN Security Council seeks to address any threats to international peace and security, and is composed of fifteen members; five of which are permanent members, including China. Each member has one vote. But, for any action to be considered approved, all of the permanent members must vote in favour of the matter. 

Here lies one of the major flaws of the United Nations. The result of this rule has allowed China to shut down any conversation surrounding a potential resolution on the Uyghur genocide. If a resolution were to be drafted, China would simply veto it and leave no route for challenging the country. Due to the makeup of the Security Council, any resolution regarding the Uyghur Muslims in China has no viability, cutting off one of the main avenues of action for the United Nations. 

In addition to this, the structure of the International Criminal Court effectively disallows action from being taken against China. Crimes within the jurisdiction of the Court include the crime of genocide, war crimes, crimes against humanity, and crimes of aggression. However, China has not consented to the jurisdiction of the Court. This means they cannot be put on trial unless the Security Council puts forward a resolution that is referred to the Court. This option would be open to the Security Council—if China were not a permanent member. 

The third way for the United Nations to take action against China is through its member nations speaking out. But China plays a large role in international affairs and it is difficult for member states to raise their voices against the country for fear of backlash and sanctions. China is a key lender to many countries and is one of the largest importers and exporters in the world. It uses its economic leverage as a global superpower to bully and coerce smaller countries into silence and acquiescence.

This underlying threat of retaliation has led to a lack of willingness to hold China accountable for the crimes that it has unmistakably committed. It is apparent that China is a wildly unpredictable player on the world stage unbeholden to the rules and norms of the current system.

It is also clear that there are major flaws within the structure of the United Nations—flaws that have been highlighted by the unchecked continuation of the Uyghur genocide. This is an issue that truly tests the international institutions in which we trust. There is much uncertainty in the global international order, but what is clear is that the status quo is untenable. Meaningful action is required to challenge the wrongdoings of countries like China, whether that happens through a reformed and strengthened UN or without it.