Banking is one of the most influential factors on the economies of today’s society. As with everything these days, technology is changing where, when and most of all, how we do things, specifically banking and other related financial transactions and arrangements such as mortgages, etc. Recently, in Toronto, the very city we live in, we were in the midst of two possible bank mergers, which would have changed banking and on a larger scale the entire economy, in many ways. In comparison to the larger banks of the world, Canada’s most major banks are not even close to the size and caliber of international banks like ING Direct, for example. Thi