| | NOVEMBER 20214CIOReviewIN MY OPINIONCXO INSIGHTS08ContentsMOBILE APP DEVELOPMENT, THE FD WAYChris Williamson, fdIT Head of Delivery, first directBUSINESS-TO-BUSINESS PAYMENTS AT A CROSSROADGuy R. Berg, Vice President Payments, Standards and Outreach Group, Federal Reserve Bank of Minneapolis12HOW 5G + BLOCKCHAIN+ IOT + MOBILE APPS AND DEVICES ARE ABOUT TO LEAD US TO A "PASSPORT OF THINGS"Maurice Audinet, Head of Digital Transformation, Jurlique Hong Kong Limited2223COVER STORY08$Pay Rem, Inc. ANDRE BOUASSA, FOUNDER, AND PRESIDENTA SECURE SOLUTION FOR LOCAL AND INTERNATIONAL MONEY TRANSFER AND DIGITAL PAYMENTS
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