{"id":57343,"date":"2018-06-26T20:20:00","date_gmt":"2018-06-26T20:20:00","guid":{"rendered":""},"modified":"2024-02-05T15:57:49","modified_gmt":"2024-02-05T20:57:49","slug":"keeping-pace-with-changing-needs-how-the-canadian-payments-system-is-improving","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/keeping-pace-with-changing-needs-how-the-canadian-payments-system-is-improving\/","title":{"rendered":"Keeping Pace With Changing Needs: How the Canadian Payments System Is Improving"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/payments\/\">\n\t\t\t\t\t\t\t<span>Payments<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Keeping Pace With Changing Needs: How the Canadian Payments System Is Improving<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato and Shannon Lattin<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-keeping-pace-with-changing-needs_402x-3.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-keeping-pace-with-changing-needs_402x-3.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-keeping-pace-with-changing-needs_402x-3.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-keeping-pace-with-changing-needs_402x-3.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Keeping Pace With Changing Needs: How the Canadian Payments System Is Improving &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/keeping-pace-with-changing-needs-how-the-canadian-payments-system-is-improving\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/keeping-pace-with-changing-needs-how-the-canadian-payments-system-is-improving\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published June 26, 2018 \u2022 7 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>They expect to pay for <i>anything<\/i> (products, services, apps, music and more) from <i>anywhere,<\/i> at <i>any time<\/i> of the day \u2014 and they want the whole experience to be fast, convenient and<\/p>\n\n\n\n<p>secure.<\/p>\n\n\n\n<p>Over the past decade, technical, social and economic developments have been challenging the payments system around the globe and at home. And while the Canadian payments infrastructure is recognized as one of the most secure around, we&#8217;re committed to making our systems even better when it comes to convenience and data, allowing Canada and Canadian businesses to innovate further and become even more efficient. As in many other countries globally, the Canadian payment ecosystem, with its multiple stakeholders, is embarking on a modernization journey to implement next-generation payment systems that are fast, flexible, and secure, and that foster innovation and competition across the Canadian marketplace.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What This Could Mean for Your Business<\/h2>\n\n\n\n<p>By introducing next-generation payment systems that are data-rich, flexible, and adaptable, Canada will enable a platform for innovation, and provide the rich, efficient systems Canada needs to compete in the future.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse0f4991f1\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse0f4991f1\" data-dig-id=\"LP-57343-0f4991f1\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Here\u2019s how a more modern payments system can affect your business:\"><div>Here\u2019s how a more modern payments system can affect your business:<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse0f4991f1\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\"><\/div>\n\n\n\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>1. <strong>Richer data.<\/strong>&nbsp;Modernized payment systems carry rich, standardized data alongside payments, rather than transmitting it separately as&nbsp;<strong>happens<\/strong>&nbsp;today. This gives context to the payments and allows businesses to begin to automate key business processes such as accounts payable and accounts receivable. Currently, many B2B payments are made by mailing cheques \u2014 just so that the invoice information can travel with the payment. With a modernized payments system, invoice details can travel electronically with the funds, making for more robust reporting, easier reconciliation and a more secure transaction from start to finish.<\/p>\n\n\n\n<p>2. <strong>Faster and more efficient payments.&nbsp;<\/strong>Modernized payments are faster payments. With data travelling with the payment, you will have funds in your hands faster, and have certainty about the invoice or client the payment is associated with. The benefit? It can allow you to release further goods or services to a client who may have reached their credit limit with you. It can also enable your service or sales staff to immediately request payment and be paid, spending less time on administrative activities and more on truly serving customers and helping them with their needs.<\/p>\n\n\n\n<p>3. <strong>Enhanced convenience.&nbsp;<\/strong>In addition to making a payment or transfer through email or a mobile number, imagine making \u201chands-off\u201d payments \u2013 your accounts payable will easily integrate into the bank\u2019s payment system and complete your payments \u2013 with data. More convenient payments could even help you improve your supply chain or business model. What\u2019s more, senders and recipients will get notifications and confirmations as to the status of their payments, which has the added bonus of cutting down on paper and mailing costs.<\/p>\n\n\n\n<p>4. <strong>Seamless needs matching.<\/strong>&nbsp;The new systems will allow businesses like yours to match your payment need to the system used to process it. For example, a higher value transaction will use the payments system specifically designed to process and protect transactions that need an extra layer of security. At the same time, a lower-value transaction could be conducted using the real-time system, for faster processing. A better alignment between payment type and payment system will reduce costs for business and create the opportunity for more efficient cross-border transactions.<\/p>\n\n\n\n<p>5. <strong>Better security, risk management and privacy.<\/strong>&nbsp;Business funds and data will be more secure, as new and enhanced systems will be in a better position to adapt to emerging threats, including enhanced fraud protection. Next-generation privacy and risk management tools will also be built into the systems giving businesses of all sizes seamless access to protection for their finances and information.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-columns mar-t is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-what-you-need-to-do-to-prepare-for-these-changes\">What You Need to Do to Prepare for These Changes<\/h3>\n\n\n\n<p>Fortunately, many financial institutions, including RBC, are currently developing solutions that will allow businesses to take advantage of the opportunities and benefits that will arise from the upcoming changes. And while solutions will be available to support you, there are a few things you can do to prepare.<\/p>\n\n\n\n<p>1. Determine how you want to manage 24\/7\/365 customer payments. For instance, will you invest to automate this process, or manage this by updating your terms?<\/p>\n\n\n\n<p>2. Think about your current infrastructure and how best to take advantage of the incoming information \u2014 and how it might improve your&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/business\/pdf\/How%20to%20get%20paid%20faster%20and%20speed%20up%20the%20cash%20cycle.pdf\">cash application process<\/a>. In many cases, a short term and long term strategy will make sense.<\/p>\n\n\n\n<p>3. Review and understand the opportunity to increase automation of historically labour-intensive activities. For instance, can inventory management become a more streamlined activity? What about purchase orders?<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column mar-l-qtr has-rbc-bright-blue-tint-1-background-color has-background is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"mar-t mar-l-hlf has-white-color has-text-color\">Across the board, businesses are going to be able to reduce their reliance on paper, accelerate their cash flow, integrate information across their entire financial supply chain and&nbsp;<a href=\"http:\/\/www.rbcroyalbank.com\/business\/pdf\/RBC_PaymentsCanada.pdf\" data-dig-id=\"LP-57343-6be3be72\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"reduce friction points\" class=\"rbc-link-format\">reduce friction points<\/a>&nbsp;in the purchasing process.<\/p>\n\n\n\n<p class=\"mar-l-hlf is-style-default default has-white-color has-text-color\">Stephen Miller, RBC<\/p>\n<\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">How Changes Will Be Implemented<\/h4>\n\n\n\n<p>Around the world, countries are actively updating their payments infrastructure. With 17 countries having modernized to date, Canada has had the opportunity to study these global efforts and understand what works best when updating and improving the national payments system.<\/p>\n\n\n\n<p>Modernizing Canada&#8217;s payments system is a complex, multi-year endeavour that will affect consumers, businesses, the government and financial institutions&#8230; and provide a platform for innovative solutions and increased efficiencies for the economy.<\/p>\n\n\n\n<div class=\"wp-block-columns has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\">Learn more about&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/business\/pdf\/Building%20online%20channels%20to%20increase%20sales.pdf?_gl=1*3pypc6*_gcl_au*MjcxODcxNTgxLjE2OTcwNDQ5NjU.*_ga*MTY5ODEzMjQ4Ny4xNjM3Nzc2MDMx*_ga_89NPCTDXQR*MTcwMDY2NTMzNy43Ni4xLjE3MDA2Njc3ODcuMTUuMC4w&amp;_ga=2.98188767.1337890628.1700577712-1698132487.1637776031\" data-dig-id=\"LP-57343-770af2ba\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"managing 24\/7\/365 customer payments and building your own online capability\" class=\"rbc-link-format\">managing 24\/7\/365 customer payments and building your own online capability<\/a>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/08\/RBC_PaymentsCanada_D6-01-36-scaled.jpg\" alt=\"The changing face of payments in Canada and what it means for your business\" class=\"wp-image-14811\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide mar-t\" \/>\n\n\n\n<p><em>Diane Amato is a Toronto-based freelance writer who loves to talk about finances, travel and technology.<\/em><\/p>\n\n\n\n<p><em>Shannon Lattin is a creative based in the United Kingdom, where she designs and illustrates for digital media.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity mar-t is-style-wide wide\" \/>\n\n\n\n<p class=\"mar-t\">Imagine faster buying, faster selling.<br>The changing face of payments in Canada and what it means for your business.<\/p>\n\n\n\n<p>When it comes to paying for products and services, Canadians expect more. They expect payments to be fast, convenient, flexible and secure. The good news is, technology has advanced to the point that it&#8217;s easier than ever to pay for something from anywhere, at any time. But, there\u2019s more to come. Here\u2019s how we\u2019re working together to modernize Canada\u2019s payments ecosystem to meet the changing needs of our business clients and consumers.<\/p>\n\n\n\n<p>The History of Payments (abridged)<\/p>\n\n\n\n<p>Pre-1000 B.C.<br>Barter system<\/p>\n\n\n\n<p>1000 B.C.<br>First metal coins<\/p>\n\n\n\n<p>800 A.D.<br>First paper money<\/p>\n\n\n\n<p>1500s<br>First cheque<\/p>\n\n\n\n<p>1921<br>First charge card<\/p>\n\n\n\n<p>1969<br>First ATM<\/p>\n\n\n\n<p>1995<br>First Canadian bank online<\/p>\n\n\n\n<p>1997<br>First mobile payment<\/p>\n\n\n\n<p>2009<br>First decentralized cryptocurrency<\/p>\n\n\n\n<p>Canada&#8217;s Changing Payments Landscape<\/p>\n\n\n\n<p>70%<br>of Canadians own a smartphone.<\/p>\n\n\n\n<p>35%<br>of Canadians used mobile banking in the last year.<\/p>\n\n\n\n<p>17%<br>decline in use of cash by Canadians between 2008 and 2014.<\/p>\n\n\n\n<p>80%<br>of Canadian businesses are looking for more payment options.<\/p>\n\n\n\n<p>61%<br>would be willing to move away from cash, if they had other options.<\/p>\n\n\n\n<p>67%<br>would be willing to move away from cheques, if they had other options.<\/p>\n\n\n\n<p>54%<br>of businesses believe they are spending too much time on payment processing activities.<\/p>\n\n\n\n<p>The Goal<\/p>\n\n\n\n<p>A more modern payment system will mean widespread benefits for businesses and their customers alike.<\/p>\n\n\n\n<p>Secure transactions processed in real-time.<br>Benefit to businesses<br>No waiting to get paid or for cheques to clear.<\/p>\n\n\n\n<p>Quicker access to funds for both people and businesses.<br>Benefit to businesses<br>Easier cash flow management.<\/p>\n\n\n\n<p>Seamless cross-border commerce.<br>Benefit to businesses<br>Faster and easier international transactions.<\/p>\n\n\n\n<p>Automated accounts payable and receivable reconciliation with richer data and payment information.<br>Benefit to businesses<br>Better record keeping and accounting with real-time data.<\/p>\n\n\n\n<p>What businesses need to do to prepare<\/p>\n\n\n\n<p>There are a few things you can do to get ready for the upcoming changes, so you can make the most of them.<\/p>\n\n\n\n<p>1<br>24\/7\/365<br>Determine how you want to manage fast or real-time customer payments.<\/p>\n\n\n\n<p>2<br>Cash Flow<br>Understand how your current process and needs (short- and long-term) could benefit from the availability of increased data.<\/p>\n\n\n\n<p>3<br>Customer experience<br>Consider how you could improve end-customer experience with the arrival of increased speed and data capabilities.<\/p>\n\n\n\n<p>Sources<br>&#8220;The History of Money,&#8221; NOVA, Oct. 26, 1996<br>&#8220;The evolution of the mobile payment,&#8221; TechCrunch, Jun. 17, 2016<br>&#8220;Requiem for a Bright Idea&#8221; Forbes, retrieved Jan. 11, 2018<br>\u201cA Brief History of Checking\u201d Info please, retrieved 5 June, 2018<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-290fcef3-87f1-4951-98f6-efdf33be7742\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Keeping Pace With Changing Needs: How the Canadian Payments System Is Improving &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/keeping-pace-with-changing-needs-how-the-canadian-payments-system-is-improving\/\">\n        <img 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a03e30b3-b4a7-40be-9198-2426c8b7496b\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/entrepreneur\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Entrepreneur<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/payments\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Payments<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div 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class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-290fcef3-87f1-4951-98f6-efdf33be7742 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-290fcef3-87f1-4951-98f6-efdf33be7742 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-a03e30b3-b4a7-40be-9198-2426c8b7496b {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-a03e30b3-b4a7-40be-9198-2426c8b7496b {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Consumers all over the world have higher expectations than ever before when it comes to paying for the things they want and 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Lattin","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"By introducing next-generation payment systems that are data-rich, flexible, and adaptable, Canada will enable a platform for innovation, and provide the rich, efficient systems.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/account-types\/keeping-pace-with-changing-needs-how-the-canadian-payments-system-is-improving\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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