Podcasts about Desjardins

What does it actually take to go from a side hustle to a full time business? In this episode of the ChangeMaker Leader Podcast, Leigh Mitchell sits down with David Kwok of YSpace, York University's pan-university entrepreneurship and innovation hub, to talk about what real support for founders looks like at every stage of the journey.David has spent over a decade building the programs and partnerships that help entrepreneurs move from idea to mass retail, from local hustle to international opportunity. In this conversation, we get into what YSpace offers, who it is for, and how founders at any stage, including women stepping into business for the first time or scaling what they have already built, can access it.What you will learn in this conversation:What YSpace is and how it supports founders across every stage, from side hustle to scaled ventureHow equity driven programs like ELLA, powered by Desjardins, are creating real pathways for women led venturesWhat it takes for agri-food and product based businesses to break into mass retailHow sector focused initiatives like SmartTO are shaping innovation in mobility and automotiveWhy YSpace's three physical hubs across Toronto, Markham, and Georgina matter for entrepreneurs building locally and globallyThis conversation is for the woman who has an idea she has not acted on yet, the founder juggling a side hustle alongside a full time job, and the established business owner ready to scale with the right support behind her.Connect with David Kwok: https://www.linkedin.com/in/davidkwokk/ Learn more about YSpace: https://www.yorku.ca/yspace/Leigh Mitchell is a Trauma-Informed Leadership Brand Strategist, Founder of Women in Biz Network (35,000+ members), and host of the ChangeMaker Leader Podcast. She helps Women+ ChangeMakers own their imprint, unapologetically.Learn more: https://changemakerco.org Join WIBN: https://womeninbiznetwork.comSubscribe for weekly leadership, branding, and AI insights for women in business.

Dans cet épisode, présenté par l'agence de communication Rouillier, on plonge dans un parcours hors du commun avec Sébastien Breton, un entrepreneur qui a décidé de tout remettre en question pour se lancer dans l'industrie minière. Comment passe-t-on d'un poste en intelligence d'affaires chez Desjardins à entrepreneur général, puis à mineur sous terre? Qu'est-ce qui pousse quelqu'un à retourner sur les bancs d'école à 49 ans? Et à quoi ressemble réellement la vie en fly-in fly-out dans une mine du Nord-du-Québec? Sébastien Breton partage avec authenticité son cheminement, sa décision de suivre une formation en extraction de minerai au CFP de la Baie-James, son arrivée dans l'industrie minière ainsi que son expérience comme aide-boulonneur à la mine Éléonore. Il aborde également les réalités du travail sous terre, les défis du changement de carrière, l'impact sur la vie familiale et les opportunités qu'offre aujourd'hui le secteur minier à ceux qui souhaitent se réinventer. Un échange qui démontre qu'il n'est jamais trop tard pour entreprendre un virage professionnel audacieux. Le Podcast Minier est propulsé par Agnico Eagle.

For decades, buying a home was seen as the cornerstone of financial security in Canada. But with Toronto and Vancouver homes priced at 10 to 12 times the average family income, more Canadians are renting well into their 30s and 40s not by choice, but by necessity. Senior Desjardins economist Kari Norman discusses her recent study on the rise of the permanent renter, exploring the data behind affordability, the trade-offs between renting and owning, the lack of family-sized rental housing in major cities, and what a 27-year-old saving today should really be thinking about. Connect with Kari on LinkedIn. Connect with Desjardins on LinkedIn, Instagram, and Facebook. Check out the study here Economics Study and Economics Study Registration.

Enjoy this special feed drop of our sister show "In This Economy?!" Following a negative performance for economic growth in the first quarter of 2026, the Canadian economy fell into what's been described as a "technical recession". While the headline was pounced on for political debate, with such a small decline (just a 0.1% contraction) and some parts of the economy still doing quite well, economists are downplaying the significance of all this recession talk. Nevertheless, under the weight of the trade war with the U.S., there are a lot of questions around the recent signals by the Bank of Canada even talking about hiking interest rates and whether the central bank will be changing its message to the markets next week with it's policy announcement on June 10th. Host Mike Eppel speaks with Royce Mendes, the managing director and head of macro strategy at Desjardins, about this so-called "recession", and what the consequences of reading too much into it might be. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstory.bsky.social on Bluesky

Following a negative performance for economic growth in the first quarter of 2026, the Canadian economy fell into what's been described as a "technical recession". While the headline was pounced on for political debate, with such a small decline (just a 0.1% contraction) and some parts of the economy still doing quite well, economists are downplaying the significance of all this recession talk. Nevertheless, under the weight of the trade war with the U.S., there are a lot of questions around the recent signals by the Bank of Canada even talking about hiking interest rates and whether the central bank will be changing its message to the markets next week with it's policy announcement on June 10th. Today on In this economy?!, host Mike Eppel speaks with Royce Mendes, the managing director and head of macro strategy at Desjardins, about this so-called "recession", and what the consequences of reading too much into it might be. Do you have a topic that's confounding you in this economy? We'll be happy to dig into it for you and get you the answers you need. Email us at: rogerspodcastnetwork@rci.rogers.com. Thank you for listening!

GESTIONNAIRES EN ACTION. Le 29 mai dernier, Statistique Canada révélait que le PIB canadien avait reculé pour un deuxième trimestre consécutif, ce qui correspond à la définition d'une récession technique. Luc Girard, gestionnaire de portefeuille à Noël, Girard Lehoux, Valeurs mobilières Desjardins, met toutefois les données en perspective. «Oui, le produit intérieur brut réel a reculé de 1 % au quatrième trimestre de 2025 et de 0,1 % au premier trimestre de 2026. Toutefois, lorsqu'on regarde les détails, l'histoire est beaucoup plus nuancée», dit-il. Il est prématuré de conclure à une véritable récession, puisque la faiblesse n’est pas généralisée à l’ensemble de l’économie. «Or, plus de la moitié des industries canadiennes sont encore en expansion. On a des consommateurs qui continuent de dépenser. On a des entreprises qui continuent d'investir. Donc, à mes yeux, nous ne sommes pas dans une économie en panne, mais plutôt dans une économie qui tourne au ralenti», explique-t-il. Qu’est-ce qui explique la récession technique? Luc Girard soutient que le consommateur canadien ne peut pas être pointé du doigt, mais que la faiblesse de l’économie est liée au commerce extérieur. «Les importations qui ont bondi de 12% au premier trimestre, alors que les exportations ont légèrement diminué, de 0,5%. Cette situation est attribuable à quoi? À une forte hausse des achats d'or, ainsi qu'à un ralentissement de certaines exportations vers les États-Unis, particulièrement dans le secteur automobile. Lorsque vous avez des importations qui augmentent plus rapidement que les exportations, ça soustrait mécaniquement de la croissance économique», raconte-t-il. Le gestionnaire de portefeuille souligne que, malgré tout, certains indicateurs restent solides, notamment la consommation des ménages qui a progressé de 1,5%, les investissements en machinerie et en matériel qui ont bondi de plus de 10% et les investissements en propriété intellectuelle qui ont progressé de 14%. «On a même le PIB par industrie qui a augmenté de 0,5 %. On est donc loin d'un scénario où tous les moteurs économiques s'arrêtent en même temps», affirme-t-il. Le S&P/TSX au sommet malgré tout Malgré le ralentissement économique, l’indice phare de la Bourse de Toronto, le S&P/TSX, a terminé la séance du 4 juin à un sommet historique de plus de 35 200 points et est en hausse de plus de 10% depuis le début de l’année. Une situation qui peut s’expliquer facilement, selon Luc Girard. «C'est probablement la question la plus importante pour les investisseurs parce que la Bourse et l'économie ne racontent pas toujours la même histoire. L'économie nous décrit ce qui s'est passé récemment. La Bourse, elle, essaie d’anticiper ce qui va se produire dans 6, 12 et même 18 mois. Surtout, le S&P/TSX n'est pas l'économie canadienne», dit-il. Il souligne que l’indice est concentré à 70% dans trois secteurs, soit 35% dans les financières, 17% dans l’énergie et 18% dans les ressources naturelles. «Ça explique pourquoi la Bourse peut performer même si l'économie ralentit», précise-t-il, ajoutant que les trois secteurs profitent de vents favorables. À son avis, même si certains ménages ressentent davantage de pression, les grandes entreprises canadiennes continuent de très bien performer. C'est pourquoi il est selon lui toujours très dangereux de confondre la santé de l'économie avec celle de la Bourse. Encore un bon moment pour investir? Luc Girard comprend aussi les investisseurs qui hésitent à miser sur la Bourse alors que les indices sont à des sommets historiques. Il s’empresse cependant de préciser que les indices ont tendance à passer une bonne partie de leur existence proche de leur sommet historique. «Attendre la prochaine correction, ça semble effectivement logique, mais, dans les faits, cette stratégie fonctionne rarement. La vraie question à se poser, c'est plutôt de savoir si les sociétés qu'on a choisies dans nos portefeuilles vont être encore plus profitables dans 5, 10 ou 15 ans», dit-il. En ce moment, il soutient que la discipline et la patience sont les deux plus grands alliés des investisseurs à long terme.Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

She has been elected 5 times! Definitely doing something right. Mayor Bard Desjardins has been influential in shaping this township: its mix of housing, its recreational and retail spaces, plus the relationship with the Canadian Navy are part of what makes it work. Mayor Barb reflects on the intentions matched with the natural beauty of the shoreline, waterways, and spectacular views across the Straits of Juan de Fuca. Parks, walkability, even breweries and patios are all amenities that enhance quality of life.

Brian Crombie is joined by Kari Norman of Desjardins to examine Canada's housing affordability crisis. The discussion focuses on rising home prices in major cities such as Toronto and Vancouver, and the growing gap between established asset owners and younger Canadians struggling to enter the market. Topics include development charges, taxation, zoning and land constraints, immigration pressures, limited housing supply, and rising youth unemployment. The conversation highlights concerns that long-term affordability challenges could reshape Canada's middle class and economic mobility.

Qui a dit que les fraudes n’étaient que des attrape-nigauds ? Un homme témoigne de sa tentative de fraude qu’il a vécu qui était beaucoup plus sophistiquée et crédible que l’on pourrait le croire. Entrevue avec André Charbonneau, expert en cybersécurité. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Le CH élimine les Sabres et se dirige vers la Caroline pour tenter de survivre à la tempête des Hurricanes | Christine Fréchette en voyage en France | De plus en plus de Montréalais au chômage | Accidents de quadriporteurs: le frère d’une victime témoigne | Coupures de courant: que se passe-t-il chez Hydro? Dans cet épisode intégral du 19 mai, en entrevue : Christopher Skeete, ministre des Relations internationales et de la Francophonie. Jimmy Jean, économiste en chef et stratège chez Desjardins. Antoine Roussel, ancien joueur de LNH et analyste sportif à TVA Sports. Robert Bilodeau, a perdu son frère Gérard Bilodeau en septembre dernier à la suite d’un accident de quadriporteur. Maxime Nadeau, vice-président Conception intégrée et exploitation du système énergétique chez Hydro-Québec. Michel Rabagliati, auteur de bandes dessinées. Une production QUB Mai 2026Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Depuis l’entrée en vigueur des tarifs douaniers imposés par Donald Trump en avril 2025, le Québec a perdu près de 130 000 emplois à temps plein en un an, une chute sans précédent hors période de crise, tandis que l’Ontario enregistrait au même moment d’importants gains d’emplois. Entrevue avec Jimmy Jean, économiste en chef et stratège chez Desjardins. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radio Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Altininkas Christophe‘as Desjardins‘as (1962-2020) griežia Francesco Goffriller 1720 m. pagamintu altu, o violončelininkas Mattas Haimowitzas (g. 1970) Matteo Goffriller 1710 m. pagaminta violončele. Nors instrumentai labai seni, abu virtuozai imasi ir sudėtingo šiuolaikinio repertuaro.Laidos autoriai Mindaugas Urbaitis ir Šarūnas Nakas.

Nick Alberga & David Pagnotta are joined by Willie Desjardins to discuss the NHL coaching carousel and why the Toronto Maple Leafs job remains one of the league's most coveted positions. Desjardins also dives deep on coaching projected superstar Gavin McKenna in Medicine Hat, explaining why McKenna's elite vision separates him from the pack and how he believes the young phenom would handle the pressure and spotlight that comes with playing in a market like Toronto. Plus, Desjardins shares insight on coaching in Canada and the intense scrutiny that follows every move behind an NHL bench.

Québec et Desjardins vendent leur participation dans Qscale. Bestar sauver par des entrepreneurs Québécois. La transformation numérique du Québec. Affaires et société avec Philippe Richard Bertrand, expert en commercialisation et en technologies. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Pour la première fois en 10 ans, Nabi-Alexandre Chartier et Isabelle Desjardins se réunissent pour parler de leur belle époque ensemble à Plus sur commande!

What fuels the miles when the finish line is only half the story? This week on the AO Running Podcast, we're joined by Jessica Halsall - mom of two, Badass Lady Gang lead, and member of Otto's Ottawa Power Crew - to discuss her Tamarack Homes Ottawa International Marathon journey. A runner and fitness instructor, she is turning her strides at Ottawa Race Weekend into support for the CHEO Neonatal Intensive Care Unit via the Desjardins Charity Challenge. Jessica gets real about the journey from her son's birth to reclaiming her athleticism. We dive into the non-negotiables of postpartum training - including the vital role of pelvic floor physical therapy - and how she's building a more inclusive running culture through her leadership with the Badass Lady Gang. From tactical tips for conquering the Ottawa Marathon course to her favorite local haunts for a post-race celebration, Jessica offers a masterclass in running with heart and purpose. Learn more about Jessica at: https://www.instagram.com/jessikahh/ Register to be an Athletics Ontario member: https://athleticsreg.ca/#!/memberships/athletics-canada-road-trail-membership Check out Hammer Nutrition Canada (and use our special discount code AORP15 at checkout): https://hammernutrition.ca/

Écoutez la chronique financière avec Marie-Eve Fournier, le mardi 14 avril: Devant la colère de ses membres, Desjardins a décidé de suspendre les changements amorcés pour les comptes de cartes de crédit. Marie-Eve Fournier explique que l'institution tente d'implanter un logiciel de la firme américaine Fiserv, peu adapté aux particularités québécoises. Autres sujets abordés: L'éventuelle suppression de la TVQ sur certains produits d'épicerie par le gouvernement Fréchette; L'expansion fulgurante de Liquidation Marie, qui lancera bientôt son service de vente en ligne. Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

Confusion chez Desjardins qui recule pour une deuxième fois sur la question des cartes conjointes. Êtes-vous prêts à manger GRATUITEMENT? La grainothèque est là pour vous. Discussion économique avec Francis Gosselin, économiste. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Rep. Eric Swalwell, of California, is the latest member of Congress accused of sexual misconduct. How common is a story like this?Host Mary Louise Kelly speaks with PBS NewsHour Congressional Correspondent Lisa Desjardins, who reported on the patterns of abuse in Congress eight years ago. In her reporting, Desjardins spoke to former staffers who were working to change the rules around reporting and consequences. For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org. Email us at considerthis@npr.org.This episode was produced by Linah Mohammad and Karen Zamora.It was edited by Courtney Dorning.Our executive producer is Sami Yenigun.To manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Écoutez le balado Les chroniques financières du lundi 13 avril : Marie-Eve Fournier dénonce les iniquités financières au sein des couples, illustrant par le cas d'une mère de trois enfants endettée de 36 000$, malgré un conjoint mieux nanti... Le malaise s'accentue avec la décision de Desjardins d'abolir les cartes de crédit conjointes dès le 10 juin, une mesure jugée opaque qui pourrait renforcer les dynamiques de contrôle au sein des relations.Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

The Herle Burly was created by Air Quotes Media with support from our presenting sponsor TELUS, as well as CN Rail, and Fidelity Investments Canada.Alright, you curiouser and curiouser Herle Burly-ites! We've got a special show lined up for you today. A little different in format. Much longer in running time. But a subject matter that merits both of those adjustments.This is our “What's actually going on in the Canadian Economy?” mega pod.As you know, there is so much change afoot and so many stresses: revenue generation, tariffs, shifting trade alliances, provincial deficits, growing inequality, unprecedented high tech innovation, nation-building projects, and my goal here is to do a show that tries to wrap its arms around all of it and make some sense. But this isn't a panel show. I want to interrogate their perspectives 1 on 1, each according to their specific area of expertise.To level set and give us a macro view of it all, we'll start with Kevin Carmichael. Economics columnist and Editor at Large at The Logic. Then we'll go sector by sector:Tariffs and trade with Randall Bartlett. Deputy Chief Economist with Desjardins, specializing in federal and provincial economies, government budgets and fiscal policy.Energy and Natural Resources with Heather Exner-Pirot. Senior fellow and director of energy, natural resources and environment at the Macdonald-Laurier Institute. Capital Infrastructure financing and Canada's balance sheet with Tim Murphy. EVP and Chief Strategic Affairs Officer at AECON. (And esteemed member of our Chiefs Panel.)And The Inequality of the K-shaped Economy with Heather Scoffield. CEO of the Canadian Tax Observatory and former Ottawa Bureau Chief at The Toronto Star and The Canadian Press.Thank you for joining us on #TheHerleBurly podcast. Please take a moment to give us a rating and review on iTunes, Spotify, Google Podcasts or your favourite podcast app.Watch episodes of The Herle Burly via Air Quotes Media on YouTube.The sponsored ads contained in the podcast are the expressed views of the sponsor and not those of the publisher.

GESTIONNAIRES EN ACTION. Le cessez-le-feu fragile entre les États-Unis et l’Iran a retenu l’attention en Bourse cette semaine, mais les investisseurs devraient plutôt se concentrer sur la saison des résultats financiers du premier trimestre qui s’amorce, estime Luc Girard, gestionnaire de portefeuille à Noël Girard, Lehoux, Valeurs mobilières Desjardins. «Le point important qu’il faut comprendre, c'est que les marchés boursiers n'aiment pas l'incertitude, mais qu’ils ont appris à vivre avec elle. Lorsqu'un cessez-le-feu est annoncé, ce n'est pas tant la bonne nouvelle en soi qui fait bouger les marchés, mais c'est surtout la réduction du risque d'un scénario extrême», dit-il. Selon lui, depuis les années 1940, les marchés boursiers ont réagi aux crises géopolitiques en reculant en moyenne de 5% à 8%. Dans la grande majorité des cas, les marchés ont récupéré leurs pertes en quelques mois. En pratique, ce type d'événement ne modifie généralement pas une stratégie d'investissement à long terme qui a été bien construite», estime Luc Girard. Cela n’empêche pas les marchés de réagir aux conflits, puisque ceux-ci peuvent avoir des effets sur l’inflation, sur la croissance économique, sur les taux d'intérêt et, surtout, sur les bénéfices des entreprises. Début de la saison des résultats financiers du premier trimestre Luc Girard soutient en effet que les bénéfices des entreprises ont beaucoup plus de poids sur la valorisation des marchés boursiers que les nouvelles géopolitiques. «À long terme, environ 85% à 90% du rendement des marchés boursiers provient de la croissance des bénéfices et des dividendes. Pour 2026, les analystes anticipent une croissance des bénéfices d’entre 8% et 15 % pour les marchés américains et de 6% à 8 % au Canada. Il est aussi important de rappeler que les 10 plus grandes entreprises américaines, ça représente environ le tiers de la capitalisation du S&P 500. Vous comprendrez que les résultats ont un effet déterminant sur la direction globale des marchés», estime-t-il. Selon lui, les investisseurs ne devraient donc pas modifier leur stratégie d’investissement en raison de l’invasion américano-israélienne en Iran. Il précise qu’un investisseur qui rate les 10 meilleures journées en Bourse sur une période de 20 ans peut ainsi réduire le rendement de son portefeuille de près de… 50%! «Plusieurs de ces meilleures journées-là surviennent durant les périodes de forte incertitude. Donc, les investisseurs doivent demeurer investis, disciplinés et surtout diversifiés», dit-il. Il ajoute que depuis 1950, les marchés boursiers ont traversé plus de 15 récessions, plusieurs crises financières, des périodes d'inflation élevée, de nombreux conflits internationaux. Malgré tous ces événements, la Bourse a généré un rendement annuel moyen d’entre 9% et 10%. Un portefeuille doit être construit, à la base, pour traverser tout type de scénario.Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Executive Director of the Renewable Energy Industries Association of New Mexico, Jim Desjardins joins TJ to discuss the upcoming Electrify New Mexico Conference, which happens April 9th, 2026. A full day of speakers and panels on a variety of topics related to energy technologies and solutions. All this and more on News Radio KKOBSee omnystudio.com/listener for privacy information.

La construction du Complexe Desjardins, situé dans la partie est du centre-ville de Montréal, s'inscrit dans un Québec qui commence à s'imposer dans le monde de la finance. « C'est un des plus grands projets immobiliers du Canada à cette époque, sinon le plus grand », affirme l'urbaniste Gérard Beaudet.

L’ex PDG de Desjardins a profité de sa journée hier pour recréer la photo que Justin Trudeau avait prise dans une quincaillerie après avoir quitté son poste de premier ministre. On prend des nouvelles de lui. Entrevue avec Guy Cormier, ancien président et chef de la direction du Mouvement Desjardins. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Desjardins plie finalement sous la pression de ses membres et rétablira l'affichage du solde de carte de crédit en temps réel sur sa plateforme AccèsD. Cette décision survient après une grogne monumentale sur les réseaux sociaux et une pétition de 20 000 signatures. La chroniqueuse Marie-Eve Fournier souligne que ce besoin de suivi constant révèle la précarité financière de nombreux Québécois qui vivent «de paie en paie». Par ailleurs, elle s'inquiète du manque de transparence entourant les coûts de la Coupe du monde de soccer au Canada, estimés entre 1 et 2 milliards de dollars de fonds publics.Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

L’Assemblée nationale demande la démission de Michael Rousseau. Il manque aussi des contrôleurs aériens au Canada. Trump plante l’OTAN. Incendie à Montréal. Un médecin de famille par code postal? Santé: Fréchette propose une salle d’attente virtuelle. Québec veut punir plus sévèrement les fraudeurs. Desjardins fait marche arrière. Tour de table entre Isabelle Perron, Alexandre Dubé et Mario Dumont. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Écoutez l'essentiel de La commission du mercredi 25 mars 2026: Unilinguisme chez Air Canada: Michael Rousseau sur un siège éjectable? Carte de crédit: bientôt un retour du solde en temps réel sur AccèsD chez Desjardins; Michael Rousseau maintient le cap malgré les appels à la démission; Toujours en ondes, l’animateur Jean Brisson célèbre son 95e anniversaire. Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

Le récent changement de fournisseur informatique chez Desjardins tourne au cauchemar de relations publiques. En modifiant l'affichage du solde des cartes de crédit, qui n'apparaît plus en temps réel, l'institution sème la confusion chez ses membres. Une pétition a déjà récolté plus de 8600 signatures pour réclamer le rétablissement de l'ancien système. La chroniqueuse Marie-Eve Fournier explique que ce délai d'affichage de 24 à 48 heures complique la gestion des finances personnelles et que Desjardins affirme ne pas pouvoir modifier les paramètres de ce nouveau fournisseur.Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

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A chief economist panel with Jimmy Jean, Desjardins; Avery Shenfeld, CIBC; Israel’s Deputy Foreign Affairs Minister Sharren Haskel; The Front Bench with Sabrina Grover, Melanie Paradis, Karl Bélanger & Rachel Aiello.

Jean-François Poulin reçoit Geneviève Dupuis, Directrice, conception de l'expérience omnicanale et gestion de produits chez Desjardins, pour réfléchir à l'expérience client au-delà des silos organisationnels. Ils discutent de la difficulté à offrir une expérience cohérente quand les canaux numériques, téléphoniques et en personne fonctionnent encore trop souvent en parallèle. Un échange sur le rôle stratégique du design, de la transversalité et de l'omnicanalité pour réconcilier efficacité opérationnelle et qualité de l'expérience client.

This episode of The New Abnormal podcast features Deborah Hayek, who leads Foresight & Innovation at Servus Credit Union, in Canada.She brings over a decade of experience integrating strategic foresight into business strategy within major financial institutions. Previously, at the forefront of Manulife's Global Innovation team, Deborah served as Head of Strategic Foresight, driving foresight initiatives across business lines and shaping innovation strategy through macro trend analysis and immersive engagement tools. Prior to that, she built and led the future-focused R&D team within Desjardins's Innovation Lab.In parallel, Deborah designs and teaches executive education at HEC Montréal, equipping senior leaders with the methods and mindset to navigate uncertainty and seize future opportunities. Through bilingual instruction, she aims to make strategic foresight both practical and accessible to leaders shaping tomorrow's economy. She discusses all of the above in our discussion, which I hope you find as interesting as I did. And you can read her newsletter on corporate foresight 'The Sparkline' on Substack... 

“She has partied too hard.”This week, the hosts learn the best way to worship Sekhmet (21+ only) and that Hathor is so much more than a sleepy cow. Other topics include Desjardins summoning Sekhmet at a perfectly reasonable time in proportion to the rest of his life, where alcohol appears in the Riordanverse, DJ presenting an insightful linguistic theory, Ancient Egyptian New Year's presents, all the things Hathor was associated with, and Darien putting 2006 on blast.Content Warning: This episode contains mentions of and conversations about death, mass slaughter, blood, the consumption of blood, alcohol consumption, meat consumption, intercourse, corrosion, and cannibalism. Spoilers for SMITE, Wicked + Divine, Moon Knight (2022), and War of the Realms: Journey into MysteryHear our thoughts about Percy Jackson and the Olympians season 2 on Patreon! https://www.patreon.com/musesofmythologyAbout UsMuses of Mythology was created and co-hosted by Darien and DJ Smartt.Our music is Athens Festival by Martin Haene. Our cover art is by Ranpakoka. Find him on Instagram @Ranpakoka Love the podcast? Support us on Patreon and get instant access to bloopers, outtakes, and bonus episodes! Patreon.com/musesofmythologyGet you hands on podcast merch at Musesofmythology.com/merchFind us on Instagram. Find all of our episodes and episode transcripts at MusesOfMythology.com----------------------- Support the showNo portion of this episode may be used for AI training purposes or to create derivative works without express written permission from the creators and co-hosts Darien Smartt or Davis Smartt.

Quebec's commercial real estate market has changed fast, and the old "local only" playbook does not hold up anymore. Louis Bergeron, partner at HPDG, joins Axel Monsaingeon to unpack what appraisers are seeing before the headlines: how developers now chase opportunities across the province, why 2024 felt frozen, and what shifted in 2025 to bring buyers and sellers closer together. Louis also shares the real story behind PDG's roots coming out of Desjardins, how the firm grew through acquisitions and mergers, and why a merger has to be "1 + 1 = 3" or it is not worth doing. They dig into PDG's full-service model from valuation and property management to tax appeals, litigation support, and expropriation tied to major projects like the REM and the Blue Line extension. Louis closes with what PDG is building for 2026, including a refreshed brand and a bigger push to share market insights, plus why comparing cap rates is often harder than people think.   Topics & Timestamps

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Riley Cote and Derek Settlemyre start the show discussing our upcoming Nasty Knuckles New Year's Eve 3v3 Throwdown Tournament, and the passing of our dear friend Mike Ritz. Jumping into some Flyers talk we rave about their recent stretch of games, the current standings, and the expectations of the team. We also discuss Tyson Foerster's injury, the team's goal scoring, Vladar impressing and Ersson improving, Zegras' shootout prowess, Dahlin's dirty hit on Zegras, trade rumors surrounding Owen Tippett, and his milestone night. Philadelphia Flyers fan favorite Shjon Podein joined us for an interview! Podes talks to us about what he's up to these days, his college hockey career, getting drafted by the Oilers, and winning the Calder Cup. We go on to discuss Shjon coming to the Philadelphia Flyers, the trade involving Recchi, Desjardins, and LeClair, playing for Terry Murray, and share fun stories about playing in Philly. Wrapping up we talk about his Stanley Cup with the Colorado Avalanche, how hard it is to win, the crazy story of Podein wearing his hockey gear for 24 straight hours, playing for Bob Hartley, his thoughts on the game today, and why his first name is spelled the way it is. More info on the NK 3v3 Throwdown: https://www.letsplay3v3.com/events/nasty-knuckles-new-year-s-eve-clash/138783Go to hellofresh.com/nastyknuckles10fm to get 10 Free Meals + a Free Item for Life! One per box with active subscription. Free meals applied as discount on first box, new subscribers only, varies by plan.Go to gt-wholesale.com and use coupon code "nasty" for 15% off. Nasty Knuckles is a Baller Sports Network production, created by co-hosts, Riley Cote and Derek "Nasty" Settlemyre. The show features a mix of interviews, never before heard story-telling, hockey-talk, and maybe some pranks... The guys bring in some of the biggest names in the hockey world for your enjoyment! Make sure to check back every week as the guys release a new episode weekly!►Click here to shop our latest merch: nastyknuckles.com/shop► Follow the show on Twitter: https://twitter.com/NastyKnuckles► Follow Riley Cote on Twitter: https://twitter.com/rileycote32► Follow Riley Cote on Instagram: https://instagram.com/rileycote32► Follow Derek Settlemyre on Twitter: https://twitter.com/dnastyworld► Follow Derek Settlemyre on Instagram: https://instagram.com/dnastyworld Hosted on Acast. See acast.com/privacy for more information.

Cette semaine, je parle de la police chinoise au Québec, de Carlos Desjardins maintenant en prison (pour une 2ième fois), un vol Marketplace qui tourne mal, Netflix, Guillaume Lemay Thivierge avec sa nouvelle plateforme, Chauffeurs de taxi, Fraude Syndicale & plus encore!

The Friday Five for November 14, 2025: iPhone Pocket Brings Back… Pockets. CMS Rural Health Transformation Program Government Shutdown Update Most-Favored Nation Drug Pricing CMS GENEROUS Model   Get Connected:

In this episode of The Wisdom Of... Show, host Simon Bowen speaks with Mike Desjardins, CEO of ViRTUS, a leadership expert who has spent more than two decades helping leaders transform not just their businesses, but their people. Mike challenges what we think leadership really is, revealing why emotional intelligence is not a soft skill, but the concrete foundation for every result that truly matters in business. Discover the Leadership Triangle (IQ + EQ + AQ), why "the me has overtaken the we" threatens our collective future, and how curiosity becomes the most powerful tool a leader possesses.Ready to master the systematic approach to extracting and applying leadership wisdom? Join Simon's exclusive Masterclass on The Models Method: https://thesimonbowen.com/masterclassEpisode Breakdown00:00 Introduction and "As go the leaders, so goes the world" 05:11 The first-time leader trap: why personal excellence doesn't equal leadership success 08:47 Why you manage processes but lead people17:18 Teaching EQ practically across industries 24:32 The five components of emotional intelligence and building them in children 34:42 Adaptability Quotient (AQ) and operating with resilience in VUCA environments 37:20 Why subject matter expertise is just table stakes 42:43 The erosion of truth in leadership and untruth by omission 45:04 Expanding emotional vocabulary and the wheel of emotions 47:15 How curiosity builds instant connection 48:11 The $330,000 deal closed in 5 minutes after 55 minutes of genuine connection 54:15 Play and curiosity as the pathway to AI fluency 59:40 From fragmentation to collaboration: "The me has overtaken the we"About Mike DesjardinsMike Desjardins is CEO at ViRTUS, where he drives strategy, growth, and vision. With a Bachelor of Commerce from UBC's Sauder School of Business, a CPHR designation, and over two decades of experience transforming businesses, Mike is a master in strategy and leadership development.From entrepreneurial businesses to large public companies and public-sector organisations, Mike focuses on driving return on investment in every client engagement. He is passionate about leveraging his team to co-create ViRTUS's future vision and using ViRTUS as his vehicle to empower leaders both within the company and among their clients.Mike has been a member of the Entrepreneurs' Organisation (EO) since 2002 and served as President of the Vancouver Chapter. He received the Business in Vancouver Top 40 Under 40 Award in 2006 and served on the Board of Directors for CPHR BC from 2010-2016.Connect with Mike Desjardins: LinkedIn: https://www.linkedin.com/in/mikedesjardins/ Website: https://www.virtusinc.com/ Podcast: https://open.spotify.com/show/1i7yNzzuOnFa3CRf0Oynsf Instagram: https://www.instagram.com/virtus.inc/ About Simon BowenSimon has spent over two decades working with influential leaders across complex industries. His focus is on elevating thinking in organisations, recognizing that success is directly proportional to the quality of thinking and ideas within a business. Simon leads the renaissance of thinking through his work with global leaders and organisations.Connect with SimonLinkedIn:

Start Dreaming Up YOUR Barndominium: https://www.thebarndominiumco.comThis week TJ sits down with The Desjardins!Heather and Eric are previous clients and talk with TJ about every up and down that happened during their building process!It's a great listen for anyone on the fence about the Barndo Co process!Follow TJ on all socials:@iamtjnorris______________________________________________________________________The Barndo Co builds custom Barndos all around the Southeast US. If you are considering building a barndominium, schedule a call with us today - https://thebarndominiumco.com/contact/Connect with us at:https://www.facebook.com/thebarndominiumco/https://www.instagram.com/barndoco/https://soundcloud.com/thebarndocohttps://www.crunchbase.com/organization/barndo-cohttps://maps.apple.com/place?auid=15697825905394762793https://www.inc.com/profile/the-barndo-cohttps://www.pinterest.com/barndoco/https://www.linkedin.com/company/barndominium/#barndominiums #barndo #podcast

No one likes checking their credit score and seeing a hit to the rating - even the Canadian government.Credit rating agencies are bracing for the upcoming November 4th federal budget, and with a lack of fiscal updates since the last federal budget under the Trudeau government, economists aren't quite sure what they should expect when it comes to the deficit.So just how deep could the red ink run? And will the minority federal government receive the backing from any of the opposition parties to get it passed through the House?Host Mike Eppel speaks to Randall Bartlett, Deputy Chief Economist at Desjardins to discuss what former-banker-turned-Prime Minister, Mark Carney, has up his sleeve for the upcoming budget, and what he plans to do about a potentially ominously large deficit. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter

On Prophecy Radio episode #143, Karen and Kristen catch up on some news odds and ends, including some new Percy Jackson and the Olympians character posters. They also discuss The Red Pyramid chapters 39 and 40, including their favorite moments and a few very significant twists and turns. New episodes of Prophecy Radio air every other week. All discussions are PG-13. News and Updates (00:24:11) Character posters, ya'll! A trio poster that might be a repeat, but just in case you haven't seen it yet. Rick took a photo with our new Zoe Nightshade and her significantly annotated book. These kids are getting to do all kinds of stunts. Steph Lurie dressed up to put Mark and Rick on trial at the Texas Book Festival Happy Birthday, Virginia Kull! The Red Pyramid discussion (00:30:50) Mini recap, in case you need a refresher. Let's talk about chapter 39. We take a minute to coo over Rick's narrative style in this book. Zia confounds us with some pertinent but infuriating advice. Set's secret name is underwhelming, but we discuss how that might have been inevitable. Isis warns Sadie Sadie's visions could have each been their own chapter. For sure. Who will sit on these 3 thrones? A touching father/daughter moment to ease the pain. The tale of the four Kanes. Her mother saw what was coming, her father did what he had to do, and now Sadie and Carter must see it all through. Isis and Sadie merge and we get our rainbow-warrior-goddess moment. Favorite lines and Favorite moments Time for the penultimate chapter discussion! Sadie's dual vision might be one of the cooler story-telling devices I've read in a long time. Time for a trip to the capital! The real enemy is finally brought into the light. Sadie and Carter have a moment. Two twists in a row really show how much has been going on that we couldn't see earlier in the story. Set was being used just like he was puppeteering Amos. The enemy of my enemy might just come in useful later on, so we might have to spare them. This Zia twist is one we definitely didn't see coming. Desjardins is pissed and astonished at the Kane's willpower. Favorite lines and Favorite moments Feedback (01:32:10) Longtime listener David Ludwig shares some of the Court of the Dead book tour fun from Denver! Here's that cocoa puff video in case you are interested! Thanks for listening, and tune in next time for episode 144, where we'll wrap up our discussion of The Red Pyramid with chapter 41, as well as get you up to date on more Percy Jackson and Rick Riordan news. This episode's hosts are: Karen and Kristen Each episode, Prophecy Radio's hosts will discuss any official news coming out of Camp Half-Blood before doing a chapter by chapter reread of Percy Jackson or one of Rick Riordan's other series. Follow Us: Instagram // Facebook // Tumblr Listen and Subscribe: Audioboom // Apple // Spotify Feel free to leave us your questions or comments through any of these mediums! You can also email us at prophecyradiopodcast@gmail.com or visit our homepage for archives and more information about our show. Prophecy Radio is a Subjectify Media podcast production. Visit Subjectify Media for more shows, including Not Another Teen Wolf Podcast, ReWatchable, and Not About The Weather, and for all our latest articles about the stories we're passionate about.

On Prophecy Radio episode #142, Karen and Kristen dissect the latest Percy Jackson and the Olympians news, plus the release of The Court of the Dead by Rick Riordan and Mark Oshiro. They also discuss The Red Pyramid chapters 37 and 38, including their favorite moments and what they think will happen next. New episodes of Prophecy Radio air every other week. All discussions are PG-13. News and Updates (00:10:37) The Court of the Dead by Rick Riordan and Mark Oshiro is officially out in the world! Did you get any of the special editions? (We definitely did.) Did you see the pictures and videos of Rick signing books and Funkos? Leah turned 16 last month! Do these Percy Jackson and the Olympians behind-the-scenes clips mean we'll be getting another BTS documentary?? We go through a slightly older Entertainment Weekly article to discuss the next Senior Year Adventures book. When can we expect the third and final Senior Year book to come out? Rick is strictly a middle grade author, and we're cool with that. What other gods would make for good series fodder a la Trials of Apollo? Other character-centric books are still on the table, and boy do we want them! The Red Pyramid discussion (00:29:14) All right, let's refresh our brains on what happened last time. Good. Now we can jump into The Red Pyramid chapter 37. Why does Set keep flickering between forms? We've really come around on Amos since we learned the truth. Set is SO sassy, and we're kind of here for it. Horus still wants to take over Carter's body, and Carter is still telling him no. Uh, where the heck is Nephthys? Sadie protecc. Thank goodness Carter figures out what Zia meant when she told him not to resist. Carter turns into a total badass! Favorite lines and favorite scenes. All right, time to jump into The Red Pyramid chapter 38. Carter having fun fighting and beating up on Set is slightly concerning. Why do they BOTH bleed black? They're about to bring down the house, so Carter tricks Set into becoming a fruit bat and then drags him outside the pyramid. Will Sadie be able to free their dad from the throne and his sarcophagus? We kind of already knew how to defeat Set, but he really lays it out for Carter. Did we feel bad about what happened to Desjardins? We totally did not expect Set to put the capstone on top of the pyramid. Sadie is a freaking rainbow, y'all! What name could Sadie have shouted? We wanted to read the next chapter SO BAD! But we discuss our favorite lines and favorite moments instead. Feedback (01:09:31) Ensign_Davies and Maria write in to tell us what they think of The Court of the Dead. Caoimhe is super excited about Percy Jackson and the Olympians season 2, and she let's us know one of our previous episodes was missing links. That's all fixed now! Thanks for listening, and tune in next time for episode 143, where we'll discuss The Red Pyramid chapters 39 and 40, as well as get you up to date on more Percy Jackson and Rick Riordan news. This episode's hosts are: Karen and Kristen Each episode, Prophecy Radio‘s hosts will discuss any official news coming out of Camp Half-Blood before doing a chapter by chapter reread of Percy Jackson or one of Rick Riordan's other series. Follow Us: Instagram // Facebook // Tumblr Listen and Subscribe: Audioboom // Apple // Spotify Feel free to leave us your questions or comments through any of these mediums! You can also email us at prophecyradiopodcast@gmail.com or visit our homepage for archives and more information about our show. Prophecy Radio is a Subjectify Media podcast production. Visit Subjectify Media for more shows, including Not Another Teen Wolf Podcast, ReWatchable, and Not About The Weather, and for all our latest articles about the stories we're passionate about.

Pierre Desjardins is the cofounder of C12, a Paris-based quantum computing hardware startup that specializes in carbon nanotube-based spin qubits. Notably, Pierre founded the company alongside his twin brother, Mathieu, making them the only twin-led deep-tech startups that we know of! Pierre's journey is unconventional—he is a rare founder in quantum hardware without a PhD, drawing instead on engineering and entrepreneurial experience. The episode dives into what drew him to quantum computing and the pivotal role COVID-19 played in catalyzing his career shift from consulting to quantum technology.C12's Technology and Unique AngleC12 focuses on developing high-performance qubits using single-wall carbon nanotubes. Unlike companies centered on silicon or germanium spin qubits, C12 fabricates carbon nanotubes, tests them for impurities, and then assembles them on silicon chips as a final step. The team exclusively uses isotopically pure carbon-12 to minimize magnetic and nuclear spin noise, yielding a uniquely clean environment for electron confinement. This yields ultra-low charge noise and enables the company to build highly coherent qubits with remarkable material purity.Key Technical InnovationsSpin-Photon Coupling: C12's system stands out for driving spin qubits using microwave photons, drawing inspiration from superconducting qubit architectures. This enables the implementation of a “quantum bus”—a superconducting interconnect that allows long-range coupling between distant qubits, sidestepping the scaling bottleneck of nearest-neighbor architectures.Addressable Qubits: Each carbon nanotube qubit can be tuned on or off the quantum bus by manipulating the double quantum dot confinement, providing flexible connectivity and the ability to maximize coherence in a memory mode.Stability and Purity: Pierre emphasizes that C12's suspended architecture dramatically reduces charge noise and results in exceptional stability, with minimal calibration drift, over years-long measurement campaigns—a stark contrast with many superconducting platforms.Recent MilestonesC12 celebrated its fifth anniversary and recently demonstrated the first qubit operation on their platform. The company achieved ultra-long coherence times for spin qubits coupled via a quantum bus, publishing these results in *Nature*. The next milestone is demonstrating two-qubit gates mediated by microwave photons—a development that could set a new benchmark for both C12 and the wider quantum computing industry.Challenges and OutlookC12's current focus is scaling up from single-qubit demonstrations to multi-qubit gates with long-range connectivity, a crucial step toward error correction and practical algorithms. Pierre notes the rapid evolution of error-correcting codes, remarking that some codes they are now working on did not exist two years ago. The interview closes with an eye on the race to demonstrate long-distance quantum gates, with Pierre hoping C12 will make industry headlines before larger competitors like IBM.Notable Quotes“The more you dig into this technology, the more you understand why this is just the way to build a quantum computer.”“We have the lowest charge noise compared to any kind of spin qubit—this is because of our suspended architecture.”“What we introduced is the concept of a quantum bus… really the only way to scale spin qubits.”Episode ThemesEntrepreneurship in deep tech without a traditional research backgroundTechnical deep dive on carbon nanotube spin qubits and quantum bus architectureMaterials science as the foundation of scalable quantum hardwareThe importance of coherence, noise reduction, and tunable architectures in quantum system designThe dynamic evolution of error correction and industry competitionListeners interested in cutting-edge hardware, quantum startup journeys, or the science behind scalable qubit platforms will find this episode essential. Pierre provides unique clarity on why C12's approach offers both conceptual and practical advantages for the future of quantum computing,

Dr. Matt DesJardins from OrthoCincy to discuss Lucas Patrick's calf injury and the back issue that new Green Bay Packer Micah Parsons is dealing with.Learn more about OrthoCincy by going here.Listen to the show live weekday afternoons 3:00 - 6:00 on ESPN1530.Listen Live: ESPN1530.com/listenGet more: https://linktr.ee/MoEgger

Dr. Matt DesJardins from OrthoCincy to discuss Lucas Patrick's calf injury and the back issue that new Green Bay Packer Micah Parsons is dealing with.Learn more about OrthoCincy by going here.Listen to the show live weekday afternoons 3:00 - 6:00 on ESPN1530.Listen Live: ESPN1530.com/listenGet more: https://linktr.ee/MoEgger

This episode features Jeff Desjardins, founder of Visual Capitalist, which unpacks powerful data storytelling and key mega trends shaping our economy. From the impact of aging societies to the rapid rise of AI, Jeff shares insights that can enhance financial education. Discover practical tips for creating engaging infographics and learn how visualizing personal finance concepts can help students grasp complex topics easily. Educators looking to inspire and inform their classrooms won't want to miss this data-driven conversation!

Episode 253: Desjardins thought its cooperative roots made it member-first by default. Then members started leaving. Desjardins is a 125-year-old financial co-op based in Quebec. It has deep community ties and a proud history. But that pride masked a painful truth: Members no longer saw it as customer-centric. The organization believed its cooperative structure guaranteed loyalty—until low NPS scores and rising member churn showed otherwise. Mathieu Staniulis and Séverine Clairet recount how Desjardins confronted its own mythology, restructured governance, and began treating feedback as a system, not a score. Desjardins' wake-up call came in the early 2010s. Despite its co-op status, members said the experience felt disjointed. Branches operated as near-independent entities. “It was really difficult to see the full scope of our company because we were presenting ourselves as different companies,” says Mathieu. CEO Guy Cormier led a bold move: unifying the 17 siloed organizations within Desjardins under a single governance structure. But structure alone wasn't enough. Internally, CX, risk, and profit still pulled in different directions. As Mathieu puts it,  “People in charge of customer experience only talk about customer experience and NPS. People in P&L ownership talk about their performance—their bottom line. How can they improve their performance, especially on the financial metrics? And then you have the risk people trying to manage risk and deal with regulators always bringing new regulations, especially in the financial industry. And I believe we have to find a way to work together to balance customer experience, efficiency or financial metrics, and risk management.” The challenge became about integrating those forces to make balanced, member-first decisions—without sacrificing performance. Now Desjardins faces a new frontier: recreating intimacy in a digital world. Transactions moved online. But financial advice—the core of trust and loyalty—remains unsolved. The question, Mathieu says, is urgent and unanswered: “How do we bring advice into a digital world?” Guests: Mathieu Staniulis, Vice President, Products, Solutions & Digital, and Chief Transformation Officer | Séverine Clairet, Vice President Customer Experience & Marketing Strategy, Desjardins Host: Rob Markey, Partner, Bain & Company Give us feedback: Customer Confidential Podcast Feedback Send us a note: Contact Rob Time-Stamped Topics 00:01 – A logout button reveals blind spots in member experience 00:04 – Desjardins' founding story: community aid in a kitchen 00:06 – “Member-owned” in theory vs. practice across 17 silos 00:08 – How Guy Cormier unified Desjardins under one governance model 00:09 – Why NPS lagged despite a strong co-op identity 00:12 – “The S means system”: transforming how feedback drives action 00:15 – Balancing CX, P&L, and risk without silos 00:18 – The call center debate: cost now vs. loyalty later 00:20 – Journey teams as a model for cross-functional accountability 00:21 – Digital did the easy part, so what comes next? 00:22 – Can “digital” be intimate? The next frontier for co-ops Notable Quotes [15:00] ​​ “It was really difficult to see the full scope of our company because we were presenting ourselves as different companies. … We had to pivot from working together, but in silos.”  [16:00] “We believe we're member-focused, but we were lagging in NPS. We were also losing membership, so we had to pivot and change all of that, changing the way we look internally at our performance, raising NPS as the top KPI for our company.” [16:00] “That's the equation of NPS. Buying more, referring more, and staying longer mean more profitability. For P&L, it means better risk management, because there's a tendency to lower your risk when you have loyal customers with you. So you have to bring that all together.” [17:00]  “We were very proud of Desjardins, especially in the Quebec market. In some lines of products, we have almost 40% market share. You will see a branch of Desjardins in every town. It's deep in our roots.” Additional Resources Read Bain's case study, From Laggard to Leader: Desjardins Evolves Member Centricity for the Digital Age: https://www.bain.com/client-results/from-laggard-to-leader-desjardins-evolves-member-centricity-for-the-digital-age/