The Peak Daily

Canadian fitness app Flex AI is shutting down after running out of money, showing how crowded the fitness app market has become — and how vibecoding could make life even harder for apps without much of a moat. Plus, Domino's sales are slowing as pizza loses its once-dominant grip on delivery to chains like McDonald's, Starbucks, and Chipotle.And in The Big Picture: A U.S. judge puts the Paramount-Warner Bros. merger on pause, Canada's inflation rate drops, and Yemen's Houthi rebels threaten to blockade a key Red Sea shipping route.The Peak Daily is produced in partnership with reframevid.com

SpaceX's blockbuster IPO is losing altitude as shares fall below their listing price, short sellers pile in, and investors question whether its AI ambitions can justify the company's sky-high valuation. Plus, a potentially record-setting El Niño could disrupt global food supplies and drive up grocery prices for years, with exposed crops like rice, sugar, and coffee facing the biggest risks.And in The Big Picture: Wildfires continue to burn across Canada, the Crown narrows its case against Toronto police officers accused in Project South, and the U.S. and Iran trade strikes after a ceasefire falls apart.The Peak Daily is produced in partnership with reframevid.com

Chinese AI startup Moonshot is about to release what could be the biggest open-weight model ever built in China, tightening the enterprise AI race as companies realize they don't always need (or want to pay for) the most expensive frontier models. Plus, Lululemon is backing a nylon-recycling startup in a bid to turn hard-to-reuse fabric waste into fresh inventory — and rebuild some sustainability cred along the way.And in The Big Picture: Citigroup expands its Canadian footprint, Ottawa fast-tracks a major Vancouver Port upgrade, and wildfires continue to blanket parts of Ontario (and the GTA) in smoke.The Peak Daily is produced in partnership with reframevid.com

OpenAI's first hardware device is reportedly a screen-free AI speaker designed to learn users' routines and become a more useful personal assistant over time — if it can avoid creeping people out and survive Apple's trade secrets lawsuit. Plus, Hyundai workers in South Korea are staging an auto industry first by striking over planned humanoid robots, a fight that could preview labour battles coming to factories around the world.In The Big Picture: Northern Ontario wildfires force evacuations and send smoke into Toronto, the Bank of Canada holds its key rate steady, and Stripe makes a US$53 billion bid for PayPal.The Peak Daily is produced in partnership with reframevid.com

Ottawa's “Buy Canadian” procurement policy is sending the bulk of its contracts to foreign-owned firms — a loophole driven by how loosely “Canadian” is defined and by trade rules that limit how much the federal government can play favourites. Plus, the defence world is in full drone mode as Ottawa sets up a new testing hub in Quebec to accelerate homegrown drone and counter-drone tech.In the big picture: IBM's brutal earnings day wipes out tens of billions in market value, DeepMind's Demis Hassabis calls for a frontier AI regulator, and five First Nations groups move to take a majority stake in major LNG export infrastructure.The Peak Daily is produced in partnership with reframevid.com

Canada's General Fusion is now the first publicly traded nuclear fusion company, as its Nasdaq debut gives it more cash to chase a breakthrough that could one day help meet soaring demand for clean power — if the still-unproven tech can finally produce more energy than it uses. Plus, doctors are warning about a tick-borne illness that was barely on their radar five years ago, as warming temperatures help ticks spread farther north and bring more diseases with them.And in The Big Picture: Ottawa and Alberta strike a deal with oil sands producers on a major carbon capture project, an Innu First Nation rejects Quebec's proposed hydro deal, and Chinese automaker Dongfeng gets ready to sell EVs in Canada.After today's interview we host an exclusive interview with Sumee Seetharaman, VP of AI/ML Practice in the Center of Excellence at TD:Brett:Hey, Peak Pals. Thanks so much for joining us today. We've got a great guest for you, Sumee Seetharaman, who is the VP of AI/ML Practice in the Center of Excellence at TD. This is gonna be a great conversation about AI at work, something I think we're all experiencing, so we're really excited to have you. To kick it off, the use of AI in Canadian workspaces is surging. According to KPMG, about 51% of Canadian adults are now using generative AI at work. Has the technology become just so commonplace in the workplace that Canadians need to have AI skills before they enter the workforce? And if so, which skills do they need? Sumee:Yeah, it's a great question. Interestingly, we're at a point where the personal use of AI is far exceeding use at work, a March 2026 Angus Reid survey found that over 70% of Canadians surveyed had used AI in the previous three months for personal use. So odds are that most folks are actively using AI for their day-to-day already and have some of the basic AI skills required at work. Skills like knowing how to use and prompt a chatbot effectively, and I'm not talking about just a single Q&A, but really knowing how to converse with the model. Treating, the response to your initial question as just the starting point. Knowing how to ask follow-up questions and providing clear instructions to refine the response. So the fluency is in really knowing how to iterate and refine, building out the parts that are missing, and pruning out the parts that don't feel right? Most people are learning to do this instinctively as they're using ChatGPT and Gemini apps. Next, I want to say folks who are using AI regularly are also starting to develop a good sense of the strengths and the limitations of the technology, right? All of us have encountered that the model sometimes hallucinates, and so we know and we've learned that we cannot treat the output of the model as gospel. And so in a work setting, this is where domain expertise, not AI expertise, is actually more helpful because we need experts to validate and apply human judgment on the output of the model. And also if you're actively using AI and reading on AI, AI can be used in harmful ways, so most folks are starting to develop an appreciation for the guardrails that are needed and what does responsible use of AI look like. And are careful about what you put into public versions of these models. You're starting to build a good awareness of privacy safeguards and such. All that to say if you're familiar with using ChatGPT or Gemini for personal use- You should be able to fluently use most AI tools in the workplace. So at TD, over seventy percent of our colleagues our workforce has access to a GenAI capability, whether it's virtual assistants that we have developed in-house for our frontline colleagues in contact centers or wealth operations or branches, or Copilot capabilities we've enabled across the organization. GitHub Copilot for developers and Power BI Copilot and Office 365 Copilot. So chances are, if you're joining TD, you have access to these AI capabilities to, to really amplify your impact, and you probably are already quite fluent in how to use them. Brett:TD is obviously ahead of the curve on AI, and I'd be interested from a practical standpoint, what are some examples of jobs at TD that AI is already transforming? Sumee:Yeah. So we recently announced our first agentic AI use case to, to speed up the pre-adjudication process of mortgage and HELOC applications. So when an application is submitted, AI agents that we've deployed are actively scanning the documents, calculating client income, performing consent checks, looking for discrepancies, et cetera. After this sort of document review process is done, the agents then produce a memo with their findings and this goes off to the underwriters to review and make a decision on the application. And so if you look through that agentic AI activation, it's transformed the jobs of colleagues like our underwriters who are now working hand-in-hand with AI agents and making decisions on applications much faster. We've gotten the review process down to an average of three minutes from an average of fifteen hours. Effectively, the way they're operating has transformed day-to-day. If I look at the role of our back-office staff that has transformed as well. They're now providing valuable oversight on our AI agents and helping us ensure that it's performing within the necessary parameters and it's delivering the right outputs. It's just the first set of use cases supporting the first pre-adjudication leg, but there's a much broader end-to-end transformation roadmap for our real estate secure lending operations. So we're just getting started. And as we gradually scale AI use within RESL operations, we'll start to see more role transformation across the board. On a similar vein I find the roles of our frontline colleagues are gradually evolving, transforming too. So our colleagues in branches are now using gen AI virtual assistants to help prepare for client meetings, answer complex questions effectively. Our colleagues in TD Securities are now using these virtual assistants to speed up the research process and really amplify the sales cycle. So across our frontline, our new hires now have an expert AI support on their fingertips, which means they can now spend far more time focusing on sales advice, deepening relationships with our clients. So slowly but surely, we see these roles evolving, getting actually much, much more client-focused and less manual work and less operational focus, if you will. Brett:What is TD doing to help train and upskill colleagues so that they can build the AI skills they need to thrive in these transformed roles? And I guess how do upskilling efforts differ for an individual who's a beginner with AI versus a new hire at Layer 6 who's looking to build their AI skills? Sumee:Yeah, it's a great question. We're actually employing a multi-pronged training strategy for AI across the organization. Obviously it's customized to your function, your role within the organization, but it takes many formats. It could be trainings, recordings, live, virtual or in-person immersive hands-on sessions, hackathons, longer-term programs and pilots, et cetera. Across the gamut, depending on the role you're in, depending upon the function you're in. I'll maybe talk about a few initiatives, what we've rolled out across the organization. The first one I'll highlight is TD Thrive, which is our enterprise learning platform. It has dozens of AI courses that are available on demand to every TD colleague, and these cover a broad spectrum of topics from one-on-one sessions like getting started on LLMs to very advanced, architecture of agentic systems, as an examp...

The Gordie Howe International Bridge finally has an opening date, but Canada had to accept less favourable terms to get it there — including giving up half of toll revenue for 15 years and getting U.S. approval for some future toll changes — raising bigger questions about how durable cross-border deals really are. Plus, more Canadians are turning to home exchange platforms to cut vacation costs, as memberships jump and travellers look for alternatives to pricier hotels and short-term rentals.And in The Big Picture: Alberta opens its online gambling market to private sportsbooks and casinos, Toronto reels from a deadly shooting at the Salsa on St. Clair festival, and the Seattle Seahawks sell for a record US$9.6 billion.The Peak Daily is produced in partnership with reframevid.com

Canadian universities are getting into the VC game, with U of T and McMaster anchoring a new life-sciences fund aimed at turning more campus research into commercial breakthroughs in areas like cancer, heart disease, and brain disease. Plus, the collapse of the U.S.-Iran ceasefire is reviving inflation fears, as renewed conflict threatens energy markets and raises the risk that price pressures could get worse again.And in The Big Picture: Meta plans a massive AI data centre in Alberta, Nvidia's valuation falls back to pre-AI boom levels, and Knix founder Joanna Griffiths is selling her remaining stake and stepping down.The Peak Daily is produced in partnership with reframevid.com

Ottawa is struggling to put tens of billions in foreign investment to work, as a lack of shovel-ready infrastructure projects leaves the UAE's promised capital sitting on the sidelines and raises questions about whether Canada can actually deliver on its major-projects ambitions. Plus, Nestlé is rethinking snack flavours for the GLP-1 era, as weight-loss drugs reshape how millions of consumers experience taste and push food giants toward spicier, higher-protein, and more fibre-focused products.And in The Big Picture: B.C. prepares to sue OpenAI over the Tumbler Ridge shooting, a jailed Indian gang leader is charged in the Nijjar killing, and NATO eyes Canadian-made Bombardier jets for its next surveillance aircraft order.The Peak Daily is produced in partnership with reframevid.com

Ottawa has selected Germany's TKMS as its preferred bidder for Canada's massive new submarine contract, a generational defence purchase that could be worth up to $120B and signals a deeper bet on European and NATO ties. Plus, Rogers is buying the remaining stake in MLSE, giving it control of nearly every major Toronto sports property and raising fresh questions about what consolidation — and possible private equity investment — could mean for fans.And in The Big Picture: Ontario and Alberta are pitching a new cross-country oil pipeline, Reddit is using AI to fight AI-generated marketing spam, and Alberta is issuing drilling permits at the fastest pace in more than a decade.The Peak Daily is produced in partnership with reframevid.com

Canadians are reading again, with young people leading a surprising rebound in books as a screen-time antidote and helping drive growth in print sales, indie bookstores, and audiobook demand. Plus, new spending data suggests Toronto and Vancouver's World Cup hosting duties may not have delivered the economic boost boosters promised, raising fresh questions about the real cost of mega-events.And in The Big Picture: The Gordie Howe bridge opening remains caught in political drama, Canadian ETFs are nearing $1 trillion in assets, and Air Canada is cutting back U.S. routes as cross-border travel keeps falling.Plus, an exclusive interview with Rizwan Khalfan, EVP and Vice Chair, Strategic Growth, Innovation and Partnerships at TD about TD's Canadian mobile app winning #1 for Mobile App Experience for Banking Customer Satisfaction in Canada by JD PowerThe Peak Daily is produced in partnership with reframevid.com

StubHub is facing a proposed class action lawsuit after thousands of FIFA World Cup ticket buyers allege the resale giant never delivered their tickets — a messy case that's putting “speculative ticketing” and last-minute seller cancellations back under the spotlight. Plus, Pokémon cards are exploding into a $15B+ collectibles economy, as Millennials and Gen Z turn childhood nostalgia into a high-risk investment frenzy that's driving six-figure sales (and even real-world thefts).And in The Big Picture: Ottawa and B.C. strike a “generational” deal to uphold the North Coast tanker ban, OpenAI reportedly floats the idea of giving the U.S. government a stake, and SpaceX previews an xAI-integrated device concept for investors.The Peak Daily is produced in partnership with reframevid.com

Canadian carbon removal startup Deep Sky has delivered North America's first direct air capture carbon credits, a small but important milestone for a technology that companies and governments are increasingly betting on to offset emissions from AI, energy, and industrial projects. Plus, the Magnificent Seven stocks are losing steam as investors start questioning whether Big Tech's massive AI spending spree will actually translate into profits.And in The Big Picture: Ottawa is relaunching a home retrofit program, Comcast is spinning off NBCUniversal and Sky into a new public company, and TIDAL is cracking down on AI-generated music by cutting off monetization.The Peak Daily is produced in partnership with reframevid.com

Chinese automakers are rapidly gaining ground in Europe, forcing German giants like Volkswagen, BMW, and Mercedes into cost-cutting mode — and offering a warning of what could happen if Chinese-made EVs break into North America through Canada. Plus, China's new open-source AI model GLM 5.2 is climbing the rankings and impressing developers, raising the stakes for businesses weighing cheaper open-source tools against the top closed models from U.S. labs.And in The Lookout: Canada, the U.S., and Mexico head into the first tri-lateral CUSMA review, Alberta prepares to pitch a major new west coast oil pipeline, and fresh GDP numbers could help settle whether Canada's economy is actually bouncing back.The Peak Daily is produced in partnership with reframevid.com

South Korea's new “dopamine sites” are letting people get the thrill of online shopping and food delivery without actually buying anything — a bizarre trend that highlights how much of the dopamine hit comes from anticipation, not consumption, especially when money is tight. Plus, Canada's new pesticide legislation is raising alarms after giving Ottawa more power to authorize pesticide use even against Health Canada warnings, a shift that could widen the gap with stricter EU rules and create new trade headaches.And in The Big Picture: Ottawa and B.C. are buying up thousands of unsold Vancouver condos to convert into affordable housing, OpenAI is testing its first-ever in-house chip, and a minimalist US$25K electric pickup is racking up massive early reservations.The Peak Daily is produced in partnership with reframevid.com 

Global markets are getting rattled by yet another AI-linked tech sell-off — with South Korea's high-flying Kospi taking one of the biggest hits as chip stocks slide and overvaluation fears flare up. Plus, Meta is reportedly building a prediction markets app that could push “betting on everything” into the mainstream for billions of users.Plus, in Big Picture: Ontario First Nations secure a landmark equity stake in the Darlington nuclear expansion, Meta unveils a cheaper new pair of smart glasses, and police identify the alleged perpetrator in the Montreal shooting.The Peak Daily is produced in partnership with reframevid.com

Ottawa's high-speed rail project is exploring a route change that could add a Kingston stop — a move that might broaden support, but also complicate the line's speed and politics. Plus, Google is reportedly investing $75M in indie studio A24 to build AI film tools, putting the “creative-first” brand in a tricky spot as Hollywood weighs cost savings against reputational risk and job losses.The Peak Daily is produced in partnership with reframevid.com

In today's episode of The Peak Daily, we break down TD Bank's new “productivity” software that tracks how employees spend their time at work — and what the rise of workplace surveillance means for anyone working remotely. Then we look at growing evidence that leaning too heavily on AI tools can erode key skills like critical thinking, debugging, and analysis.Plus, in The Big Picture: Canadian EV interest climbs as gas prices spike, Canada sends a record-sized trade mission to Japan, and Iran pauses nuclear talks with the U.S.The Peak Daily is produced in partnership with reframevid.com

Canada is getting its first legal prediction markets app as Wealthsimple teams up with Kalshi, blurring the line between investing and gambling. Then, Apple warns iPhones could be headed toward the $2,000 mark as AI-fueled chip costs spike. Plus, in The Big Picture: the U.S. and Iran sign a deal to end the war, Empire doubles down on discount grocers, and Cohere locks in more Canadian compute from Bell.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we dig into a push to partially legalize psychedelic drugs in Canada through doctor prescriptions, and what lessons the country could take from places like Oregon and Australia. Then, Lululemon faces backlash in China after a Great Wall yoga event sparked cultural and geopolitical controversy, highlighting how high the stakes are for Western brands relying on the Chinese market. Plus, one big number on Hollywood's most expensive movie ever, and a fascinating new therapy that aims to “reprogram” cells to act young again.The Peak Daily is produced in partnership with reframevid.com

More Canadians are using GoFundMe to help pay for essentials like groceries, rent, and bills. Then, Ottawa introduces Bill C-37, a new First Nations clean water bill. Plus, in the Big Picture: SpaceX's deal for AI coding startup Cursor, Gildan drops after a short-seller report, and Quebec reaches a French-language funding deal with three English universities.The Peak Daily is produced in partnership with reframevid.com

1Password could be one step closer to going public after snapping up access-management startup Apono, fuelling fresh IPO chatter. Then, we dig into why credit card companies are racing to own your Friday night dinner plans, as Amex adds TheFork to its growing reservations empire. Plus Ottawa's talks with Chinese EV makers, Fox buying Roku, opioid deaths dropping, and more.The Peak Daily is produced in partnership with reframevid.com

Canada's growing reliance on U.S.-made AI tools comes into focus after Anthropic disables access to its newest models amid U.S. export controls and “jailbreak” allegations. Then, we look at why digital point-and-shoot cameras are making a surprising comeback as Gen Z chases Y2K-era vibes and more offline experiences. Plus Carney's comments on CUSMA, a snag in U.S.-Iran talks, and Switzerland rejecting a population cap.The Peak Daily is produced in partnership with reframevid.com

We break down why Canadian and U.S. officials are publicly sparring but privately keeping the relationship on track. Then, we look at SpaceX's blockbuster IPO and what mega-IPOs could mean for markets. Plus, the big picture: the Gordie Howe Bridge opening gets delayed, Koho hits unicorn status, and Ottawa rolls out a major food security plan.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we dig into the nicotine pouch boom among young Canadians and why regulators are struggling to keep up. We also break down OSFI's push for big banks to lend more to small businesses, plus the latest on CUSMA uncertainty, the Bank of Canada holding rates steady, and Ubisoft's latest round of studio closures.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily: Canada's long-awaited Gordie Howe International Bridge finally gets an opening date, and buy now, pay later lenders set their sights on rent payments. Plus, in the big picture: Anthropic releases a new model, Apotex boosts its IPO target, and the Parti Québécois vows to pull Quebec out of the Alto high-speed rail project.The Peak Daily is produced in partnership with reframevid.com 

Canada is getting closer to a nationwide under-16 social media ban, with Ottawa set to table new online harms legislation that would also regulate AI chatbots. Then, we unpack new research linking the iPhone's arrival to falling birth rates, and what that says about modern relationships. Plus, in The Big Picture: Ottawa backs off streamer fees, a US judge strikes down the $100K H-1B fee, and airlines line up for federal loans as fuel costs soar.The Peak Daily is produced in partnership with reframevid.com

Toronto is flipping FIFA World Cup tickets at a markup, Canada temporarily restricts Texas cattle imports amid a flesh-eating parasite outbreak, and the big picture includes Iran's latest missile strike on Israel, OpenAI's reported pivot toward business-focused AI agents, and airlines bracing for a US$100B fuel-cost hit.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we're breaking down Air Canada's big bet on premium flyers with a new fuel-sipping A321XLR — and what it signals about the future of air travel. Then, we head to Nova Scotia, where the province is launching a “seafood school” program to hook the next generation on fishery careers and shore up a key export industry.Plus, in The Big Picture: Ottawa rolls out a $2.3B national AI strategy, SpaceX tees up a record-setting IPO, and U.S. lawmakers move to rein in military action in Iran.The Peak Daily is produced in partnership with reframevid.com

Canada's coming submarine super-deal turns into a full-on bidding war as South Korea dangles “Project Beaver” — a massive hydrogen-trucking investment — to win a 12-sub contract potentially worth $120B over 70 years. Plus, famous short seller Andrew Left is found guilty of securities fraud in a “short-and-distort” scheme, raising fresh questions about market manipulation in the social media era. In The Big Picture: a proposed new U.S. tariff on Canada tied to forced-labour imports, Ottawa backs off its Cancon streamer rules, and Meta launches an AI agent for businesses.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we dig into Ottawa's plan to back Canadian AI startups with a new federal investment fund, and what it could mean for keeping high-potential founders building at home instead of heading south for capital. Then, we head to Vancouver, where a rare office-to-hotel conversion in the city's downtown core aims to add much-needed rooms in one of Canada's tightest hotel markets.The Peak Daily is produced in partnership with reframevid.com

In today's episode of The Peak Daily, we break down why nearly every Canadian university slid in the latest global rankings, and what tightening funding and declining international student revenue could mean for research, hiring, and programs.Then, we look at Nvidia's big swing into the laptop market with its new RTX Spark Superchip, and why the world's most valuable company wants to bring AI compute from data centres to personal devices.Plus, in The Big Picture: Anthropic confidentially files for an IPO, Ottawa commits $$100 million$ to expand an AI healthcare project nationwide, and Canada Post workers approve a new five-year contract.The Peak Daily is produced in partnership with reframevid.com

To kick off the episode: Remote work was supposed to make jobs more accessible — but for entry-level workers, it might be doing the opposite. New research suggests remote roles are squeezing junior hiring more than AI (for now). Then: why Gen Z has turned sardines into the snack of the summer — and a surprisingly lucrative business. Plus, the Big Picture: Ottawa's fighter jet rethink, a new BC Conservative leader, Alberta wildfires, and more.And we end off with an exclusive interview with Chad Koziel, Associate Vice President AI Product at TD. Check out our notes below:The Peak: Hey, Peak pals, we are joined today with Chad Koziel, who's the associate vice president of Layer Six Gen AI delivery at TD. And we're going to have a really interesting discussion today. There's a lot of talk about Gen AI and how transformative it's going to be, but not a lot of discussion around the actual practical applications of that at the organization level. So that's why I'm really excited to jump in with you today, Chad. Do you want to just take a second and introduce yourself?​Chad: Thanks and it's great to be on here, Brett. So I'm Chad Koziel. I build AI. That's what I do. I make it real. I put it in clients' hands and colleagues' hands. And my job is to do so in a way that they love, in a way that they want to engage with, they want to adopt, they want to play with and that ultimately drives a positive impact for them.​The Peak: That's awesome. And I imagine a lot of this is happening behind the scenes. So how is AI working at TD right now without clients even knowing that it's there?​Chad: So, if you're a TD client, you can expect today that if you call in with an issue, you get helped better, you get helped faster than ever before. You may or may not notice it on a call-by-call basis, but it's there. In the background and across TD, AI capabilities are being deployed to make everything simpler, to make everything faster and specifically to get information to people faster. So that concrete example I gave you, in the background, there's a tool, a virtual assistant that allows a frontline colleague to solve an extremely complex customer query in seconds, empowering them to help you in that moment. Whereas in the past, they might have put you on hold while they looked stuff up. They might instead have put you on hold and contacted one of their colleagues who could help them work through it before coming back to you. So we're seeing a 12% reduction in those types of things. And it's not just in our contact center. So we have these fit-to-purpose, fast, accurate virtual assistants deployed in TD wealth, in branches, in insurance and TD securities. All of these driving, perhaps imperceptible, perhaps perceptible, but nevertheless impactful improvements to the client experience.​The Peak: That's a really great case study of how generative AI is helping TD clients and as a TD client myself, that's really great to hear. There's a lot of excitement about this technology, but there are some fears as well about it. You know, Gen AI is here and it's brought a lot of concerns with it about how our lives and jobs are going to change. What do you tell someone who's more concerned than excited about the impact of generative AI?​Chad: What I described previously in contact centers is the tip of the iceberg. There's a lot that I have the privilege of having a front row seat to that I can't share publicly, but the impact is enormous, it's profound. And that's leading to companies and people in every sector, in every field to adopt AI, generative AI to improve the quality, speed and availability of service. So maybe, you know, in this conversation with this concerned person, I would then say, seek it out, play, toy with generative AI. Just as an example, like I've used it to dramatically change my reading habits, like in volume and complexity by feeding it things I liked, things I didn't and using Gen AI to take me off the beaten path into areas I may not have previously read from. Authors who are maybe terrific but didn't sell, geographies outside of a western-centric sort of award circuit. And that's a toy example, right? But this is the kind of thing somebody can do to gain some familiarity with it, maybe even comfort. At TD, we put trust at the center of our relationship with clients. And when we move forward with AI, we will do so responsibly, transparently, reliably, safely, all of those things. That's how I try to bring some of this comfort to somebody maybe a little concerned about generative AI.​The Peak: That's very helpful. And you mentioned it at the end there, but I would love to just dig into how TD is actually keeping AI safe and secure when handling clients' money and personal information.​Chad: That's a great question. First is we don't use AI to handle your money. So AI is probabilistic, it's guessing things and we don't guess where your money should go and frankly no algorithm at TD should do that. You decide where it goes. We might use AI, we will use AI to make it easier for you to do what you want to do with your money. And we should make it a lot easier for you. We will never do it for you. Now, the personal information angle though is pretty interesting. When TD's AI consumes your information, it's in a cloud vault in an area fully and completely controlled by TD that's not accessible to any of our outside partners. And that's not going to change. We are going to protect that information and the handling of that information in a way that preserves your trust. And related to that, like when we do go and use AI, we're going to try to build that in a way that's remarkably human. So as an example, ensuring that empathy, intuition, care are at the heart and frankly quantitatively evaluated so that we know, not just we think, we know that the experience we're giving you with AI is one that you can trust is doing that in a way that feels right to you. The last key point because it's an area of particular focus and one where we have a bunch of research is around trustworthy AI. So TD, we have an entire team of scientists dedicated to evaluating for privacy, security, fairness, accountability, explainability, and not just ensuring that those are all built into the models, to the AI that we release, but also to ensure that that is continuously monitored so that those AIs do not stray over time, giving us the confidence to put them into market and have them be in the hands of our customers and colleagues.​The Peak: That's really great to hear and very comforting. Now, we know that AI is going to change banking for Canadians, but what parts of the experience will always need a human touch even as this technology evolves so quickly?​Chad: So, a concrete example, let's call it the estates process. So you've just had a terrible loss in your family. And not only do you have a terrible loss, you're dealing with an incredibly complex situation, financially, legally, emotionally. I guarantee you you want somebody sitting across from you helping you through that. But what you want is for that person to be able to work through this quickly with you to not take days or weeks to sort through hundreds of pages of documents. You want them to be able to do that in minutes to give you that trusted advice right away and with their human touch, with empathy, with intuition. That's an example, but we can think of a bunch of similar sort of challenging events, right? Whether it's job loss, retirement planning, thinking of buying a home. You're always going to want a person there and what we feel is that that person will, however, ne...

Today on The Peak Daily, we break down Ottawa's plan to fine-tune Bill C-22 after backlash from Big Tech and privacy advocates, and what the lawful access debate means for encryption and cyber risk. Then, we look at the CFL's landmark new media rights deal with Bell, DAZN, and YouTube, and why live sports is still one of the most valuable bets in streaming. Plus, a tentative U.S.–Iran ceasefire extension, Canada's push to attract top global researchers, and competing submarine bids heating up.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, WestJet pushes to roll back Canada's Air Passenger Protection Regulations as the backlog of complaints keeps growing. Then, Spotify leans into the “clipping economy” with a new in-app tool that lets listeners cut and share podcast moments. Plus, the big picture: Lululemon settles its boardroom battle, Ottawa moves to diversify defence procurement, and Meta launches paid “Plus” tiers across its apps.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we break down the legal battle brewing in the booming secondary market for private-company shares, after Vancouver-based Hiive is sued by Nasdaq Private Market over alleged patent infringement. Then, Ferrari's first-ever EV, the €550,000 Luce, debuts to a brutal reception from fans and a sharp drop in the stock — raising fresh questions about whether luxury buyers are really ready to go electric. Plus, big tech pushes back on Ottawa's proposed lawful access bill, Canada and Germany tee up a major LNG deal, and the federal government reviews the clarity of Alberta's referendum question.The Peak Daily is produced in partnership with reframevid.com

Tim Hortons is changing course on temporary foreign workers and aiming to hire 10,000 Canadians as critics say the program has helped suppress wages and add pressure to housing and healthcare. Then, we look at new research showing how quickly open-source AI models' safety guardrails can be removed through a technique called “obliteration,” raising fresh concerns about misuse. Plus, from Vancouver's protests over AI data centres to the latest on Middle East diplomacy and Canada's wildfire response.The Peak Daily is produced in partnership with reframevid.com

In today's episode, we dig into Pizza Hut's retro restaurant revamp and why '90s nostalgia is proving to be a powerful sales strategy. Then, we break down the fight brewing over Canada's new streaming rules, as Netflix and Disney's lobby group warns the CRTC's 15% CanCon spending requirement could raise prices and spark a court challenge. Plus, we preview what to watch this week: Canada–India trade talks, fresh GDP data, and inflation prints that could shape the path for interest rates.Check out the first ever Peak Daily here. The Peak Daily is produced in partnership with reframevid.com 

Today on The Peak Daily, we break down what it means when theme parks start using facial recognition and AI cameras, as Disney faces a lawsuit over privacy concerns. Then, we dig into why U.S. growers want to block Prince Edward Island potato imports over potato wart, and what a new ban could mean for Canada's top export market. Plus, in the Big Picture: TD's new agentic AI for mortgage reviews, Oura's IPO filing, and a quick look at Canada's summer job market.The Peak Daily is produced in partnership with reframevid.com 

Today on The Peak Daily, we break down Airbnb's biggest overhaul yet and what it means as travel apps race to become “super-apps.” Then, we look at why more young Canadians are skipping shoebox condos and eyeing cottages as a first step into homeownership, and the financial trade-offs that come with it. Plus, in The Big Picture: Meta cuts 10% of its workforce, Canada's largest drug bust in Manitoba history, and OpenAI and SpaceX inch closer to IPOs.The Peak Daily is produced in partnership with reframevid.com 

Cohere is making a bold move into biotech with the acquisition of Montreal's Reliant AI, aiming to bring agent-powered tools to drugmakers. Plus, Canada's army is planning a major reorganization that could add new divisions, drones, and long-range firepower. In The Big Picture, we break down the latest inflation numbers, Nissan's reported plans to ship Chinese-made EVs into Canada, and Google's shift toward a chatbot-style search experience.The Peak Daily is produced in partnership with reframevid.com

On today's episode of The Peak Daily, we look at why recent grads are turning on AI — and what that backlash says about a brutal entry-level job market. Then, we break down the proxy fight brewing at Lululemon as founder Chip Wilson tries to steer the company back to its premium roots. Plus, in the Big Picture: a $420B utility mega-merger powered by data-centre demand, Elon Musk's OpenAI case gets tossed, Canada confirms its first case of the Andes strain of hantavirus, and more.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we break down Ottawa's new plan to double Canada's electricity generation by 2050, and why it could reshape costs, climate policy, and the grid as demand surges from data centres, EVs, and defence production. Then, we look at a Canadian startup taking pre-orders for a $20 custom hearing aid, and what ultra-low-cost devices could mean for accessibility. Plus, Honda's brutal EV year and the pause on its Ontario plant, Canada's push to restrict social media and potentially AI chatbots for minors, a scorching AI IPO debut, and more.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we're breaking down Ottawa and Alberta's industrial carbon pricing deal and what it means for a proposed new west coast pipeline. Then, we look at why top MBA programs are slashing tuition as enrolment drops and employers prioritize AI fluency over traditional credentials. Plus, in the Big Picture: Anthropic pulls ahead of OpenAI in corporate adoption, Trump and China's leaders open high-stakes talks in Beijing, and Ottawa's AI spending tab crosses $800M.The Peak Daily is produced in partnership with reframevid.com

In today's Peak Daily, the rise of “tokenmaxxing,” as Amazon workers allegedly pad AI tool usage to look more productive, and what it says about how companies are measuring performance in the AI era. Plus, Dunkin' is officially coming back to Canada with plans for hundreds of locations, setting up a fresh fight in an already crowded coffee market. Finally, Ottawa names the first recipients of its AI Compute Access Fund, TikTok wants to become your travel booking app, and eBay swats away a massive GameStop bid.The Peak Daily is produced in partnership with reframevid.com

A Toronto Police corruption scandal is forcing prosecutors to review dozens of federal cases, raising the risk that some charges could be thrown out. We also look at a new TD report warning food inflation could pick up as fertilizer supplies are disrupted through the Strait of Hormuz. Plus: OpenAI's new DeployCo consulting unit, federal support for Telus's B.C. data-centre expansion, Disney's box-office momentum, and more.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we break down the backlash to Kevin O'Leary's massive “Stratos” data centre project in Utah, and what the politics of power, land, and water could mean for the AI boom. Then we look at why today's AI models still struggle to pick winning stocks, and how overconfidence can push investors into making worse trades.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we unpack the rise of the “boomerang generation” as more Canadians in their late 20s and 30s move back in with their parents, driven by housing costs that have far outpaced income growth. Then, we look at Ontario's plan to greenlight what could become the world's largest nuclear power plant, and what it signals about Canada's energy future as demand surges. Plus, a prediction-market giant raises a massive round, and one big number on how concentrated stock market gains have become.The Peak Daily is produced in partnership with reframevid.com

Today on The Peak Daily, we break down Honda's reported decision to shelve its planned $15B EV complex in Ontario, and what that signals for Canada's already-wobbly auto sector. Then, we look at the surprisingly hot new retro tech trend: screen-free, Wi‑Fi-enabled “landlines” for kids. Plus, Samsung joins the trillion-dollar club and new research suggests AI could help improve ER diagnosis accuracy.The Peak Daily is produced in partnership with reframevid.com

The U.S. signals a possible pivot toward AI oversight, with talk of government reviews for new models and Big Tech sharing early versions with federal officials. Then, Meta's latest approach to age verification raises eyebrows, using AI to estimate age from photos and videos by analyzing clues like height and bone structure.Also, Mark Carney naming Louise Arbour as Canada's next governor general, new details on the Alto high-speed rail route, and a rare warning about possible human-to-human hantavirus transmission.The Peak Daily is produced in partnership with reframevid.com