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In 2019, Canada will be rolling out the Real-Time Rails (RTR). Part of a multi-year project to modernize Canadian payments, the RTR will be a major change in how payments in Canada work. Other countries, such as the UK and Singapore, have had these systems for around a decade. They have experienced the impact that real-time payment schemes can have and have witnessed the criminals’ response to real-time payments. What can Canadian fraud professionals learn from them and from the criminals who try to abuse them?