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Perspectives

Perspectives

Hosted by Scotiabank Perspectives

BusinessNews
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Episodes

102

Latest episode

Jul 2026

Language

EN

About the show

Each episode we help break down the important economic issues on Canadians’ minds. With our unique access to leading experts, timely insights and helpful explainers, we navigate the latest in the world of finance, housing, business, the markets — and more. For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures

Listen to episodes

60 recent
August 13, 202630 min

The hidden cost of overlooking women’s health

Women's health is getting more attention now, but many women have spent years being told to push through symptoms that were misunderstood, dismissed, or normalized.  In this episode, Dr. Sheila Wijayasinghe, family physician and medical director of Primary Care Outreach at Women's College Hospital in Toronto, explains why the gap in care still reverberates today — delaying diagnoses, affecting medical research, and impacting career growth, finances and day-to-day life.   She also dives into:  • how issues such as endometriosis, fertility challenges, perimenopause, and menopause can affect work and financial wellbeing   • why women's health remains under-researched, and how that shapes the care patients receive  • why earlier support, better awareness, and more open conversations can make a meaningful difference  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures  Key moments this episode:  00:3:46  Historical gaps in medical research and their impact on women's health.  00:6:32 How women's health affects financial security and long-term well-being.  00:11:08 The impact of health challenges on careers and workplace experiences.  00:13:45 Why workplace support and understanding matter.  00:16:41  The origins of the collective and its advocacy for women's health.  00:21:09 The role of self-advocacy, peer support, and speaking up.  00:24:41 Wellness trends: what's worth paying attention to? 

July 30, 202623 min

Beyond generative AI: How agentic AI is levelling up the technology

Artificial intelligence has quickly become part of everyday life. It helps people write emails, summarize meetings, generate code, and answer questions in seconds.  But the next phase of AI may be less about generating information and more about taking action.  In this episode, Ty Panagoplos, Executive Vice President and Chief Technology Officer at Scotiabank, explains how AI has evolved from a specialized technology used by experts into a mainstream tool available to almost anyone. He explores one of the biggest trends shaping the industry today: Agentic AI.  Ty breaks down what Agentic AI actually is, how it differs from generative AI, and why organizations are paying close attention to its potential to automate increasingly complex tasks. He also discusses how banks are approaching AI adoption, balancing innovation with security, governance, and trust.  He also discusses:  Why ChatGPT changed the public conversation around AI and accelerated adoption  The difference between Generative AI, AI agents, and fully autonomous Agentic AI  How AI is already improving productivity across organizations  Why Scotiabank joined an AI consortium focused on safe AI deployment  The guardrails banks need before autonomous AI can be widely adopted  The risks posed by misinformation, hallucinations, security threats, and bad actors  The emerging role of AI agents in customer service and software development  How AI could help create more personalized banking experiences in the future  What the next three to five years of AI innovation may look like    For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures  Key moments this episode:  00:01:45 Ty Panagoplos’ background in technology and banking  00:02:50 Why AI suddenly became mainstream  00:04:45 The biggest opportunities AI creates for businesses  00:06:05 How AI is already being used across banking  00:07:55 What Scotia Intelligence is and how it works  00:09:55 Generative AI versus agentic AI explained  00:12:00 Why Scotiabank joined an AI consortium  00:15:05 The risks of AI and the importance of guardrails  00:16:50 Privacy, hallucinations, scams and other concerns  00:18:00 The next wave of AI tools  00:19:30 Frontier models and the future of cybersecurity  00:20:55 What AI could look like over the next three to five years

July 15, 202617 min

Holding steady: Why did the Bank of Canada hit pause once again?

With a slightly more positive but cautious tone, the Bank of Canada announced Wednesday that interest rates would stay put, marking its sixth consecutive hold.   As part of the decision announcement, Bank of Canada Governor Tiff Macklem outlined three key messages for the country’s population. First, after a rough start to the year economic growth looks to have resumed. Secondly, that inflation is poised to ease and, lastly, that uncertainty remains high.   Two uncertain factors the central bank will be monitoring closely are the Canada-US-Mexico Agreement (CUSMA) negotiations and how the war in Iran is impacting global oil prices.   "We've been looking through the direct effects of higher oil prices on inflation, but the longer they remain elevated, the bigger the risk they spill over to other goods and services," Macklem said.  To help break down what Canadians should make of the decision and expect in the coming months, Olivier Gervais, the Director of Modelling and Forecasting at Scotiabank joins the podcast.     For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures    Key moments this episode:  00:00:00 Introduction 00:01:46 Olivier's Bank of Canada Experience 00:03:02 Why the Bank Held Rates 00:05:13 Canadian Business Resilience 00:05:58 Iran Conflict and Oil Prices 00:07:11 CUSMA Renegotiation Outlook 00:08:15 What Employment Data Tells Us 00:09:29 Inflation and Grocery Prices 00:10:27 What Would Lower Inflation? 00:10:57 Canada's Housing Market 00:13:04 Mortgage Renewals 00:13:57 Rate Outlook for the Months Ahead 00:15:42 Looking Ahead to September 00:16:05 Key Takeaways for Canadians

June 25, 202622 min

Oil producer, global prices: Why Canada is not isolated from energy shocks

Oil prices have been moving again, and Canadians are feeling it at the pump. But while changes in gas prices are easy to spot, the forces behind them can be much harder to untangle.  In this episode, Jennifer Stevenson, Vice President and Portfolio Manager with Scotia Global Asset Management, explains what is driving oil and gas prices right now, why events far beyond Canada's borders can still shape what Canadians pay, and how refining, shipping routes, global demand, and geopolitical risk all feed into the price of fuel.  She also breaks down:  Why the Strait of Hormuz matters so much to global energy markets  Why Canada is not facing shortages, but is still exposed to global price swings  How refining capacity, transportation and financial markets affect prices at the pump  What could keep volatility elevated even if the immediate disruption eases  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures  Key moments this episode:  1:30 - Jennifer Stevenson’s background in oil and gas 2:04 - What’s happening with oil prices right now 2:44 - Why the Strait of Hormuz is so important to global energy markets 4:04 - Whether there are alternate routes for oil and gas supplies 5:03 - How a global energy disruption can affect prices at the pump 6:04 - Why Canada is not fully insulated from global oil prices 6:24 - Why producing oil does not automatically mean cheaper gasoline 7:38 - How higher oil prices can affect Canada as an energy exporter 8:47 - How quickly global events can show up in gas prices 9:54 - Why gas station margins are thinner than many people think 10:43 - How today’s gas prices compare historically 11:50 - Why demand for gasoline does not fall much when prices rise 13:22 - What could happen if the Strait of Hormuz disruption continues 14:48 - What reopening the Strait could mean for oil and gas prices 16:55 - Whether extremely high oil prices are possible 17:58 - How consumers and businesses can plan for price volatility 20:08 - What can be done to reduce vulnerability to oil price swings 21:20 - Main takeaways for Canadians from the current energy situation

June 10, 202616 min

What's behind the Bank of Canada's fifth-consecutive rate hold?

For the fifth time in a row, the Bank of Canada announced it would be keeping interest rates unchanged as many economists expected.   There are numerous economic factors the Bank of Canada says it’s monitoring before making any interest rate moves including the ongoing conflict in the Middle East, flat GDP numbers and trade talks between CUSMA countries.   When asked whether a cut or a hike to the 2.25% overnight rate is in the near future, Bank of Canada Governor Tiff Macklem said the situation is complex.   “If the United States imposes significant new trade restrictions on Canada, we may need to cut the policy rate further to support economic growth. Alternatively, if the conflict in the Middle East continues and higher energy prices start leading to ongoing generalized inflation, monetary policy will have more work to do — there may be a need for consecutive increases in the policy rate.”   Scotiabank’s Chief Economist Jean-François Perrault is back on the podcast to break down what’s going on with the economy, whether recession risks are overblown and what Canadians can expect in the coming months.

May 15, 202625 min

Food inflation 101 – The rising cost of putting food on the table

Food inflation is becoming harder to ignore, and it may still have further to run.  As geopolitical tensions push up energy prices, those pressures are beginning to move through the broader economy. If it persists, it could impact what Canadians pay for food.  Scotiabank’s Rebekah Young joins the podcast to break down why food inflation remains persistent, how global shocks are moving through supply chains, and why there are few quick solutions in the near term.  She also explains what this means for households, and why central banks may face more difficult decisions if these pressures continue.  Key moments this episode:  2:01 – What has caused food inflation since the pandemic 3:23 – Digging deeper into the economic factors behind food inflation 4:52 – How the current causes of food inflation differ compared to during the pandemic 8:10 – Which inputs are affected by the recent closure of the Strait of Hormuz 9:30 -  Understanding fertilizer types and how it affects farmers in Canada 10:43 – How the war in Iran is affecting consumers 13:50 – How the upcoming grocery benefit aims to help some Canadians deal with food inflation 16:38 - How rising commodity prices could benefit Canada as a global producer of oil, fertilizer and more 19:27 – How the Bank of Canada is reacting to food inflation 22:24 – What Canada can do to stabilize food prices and mitigate risk for the future

April 30, 202625 min

Bank of Canada holds steady for fourth time in a row at 2.25%

The Bank of Canada announced it would be keeping the overnight interest rate at 2.25% as uncertainty looms with the ongoing conflict in the Middle East and the renegotiation of the trade deal between Canada, the U.S. and Mexico.   Scotiabank’s Chief Economist Jean-François Perrault talked with us on April 29 to break down the complexities of the latest rate decision, the scenarios the central bank is weighing, what Canadians can expect in the coming months and any silver linings amid all the economic uncertainty.    1:36 – JF weighs in on why the Bank of Canada decided to hold 2:37 – With inflation on the rise, could a rate increase be in store? 5:45 – What happens if oil prices rise and CUSMA talks deteriorate? 8:17 – What impact will the removal of the fuel excise tax for Canadians have on inflation? 9:15 – JF on why he expects interest rate increases in the coming months, as early as July 10:48 – What would need to happen to avoid an interest rate increase in July? 13:19 – What impact could measures and spending in the federal government's Spring Economic Update have on the economy and inflation? 15:31 – JF on what it all means for Canada's housing market 21:00 – What this means for those renewing their mortgage soon 22:43 – Main takeaways for Canadians

April 21, 202619 min

Gold 101: Why gold prices rise and what it really signals

In this episode, we break down how gold functions in today’s financial system, from the different ways people invest in it to why it often gains attention during periods of inflation, volatility and uncertainty, with guest Robert Cohen, Vice President and Senior Portfolio Manager at Scotia Global Asset Management. He is co-Portfolio Manager of Scotia Resource Fund as well as Portfolio Manager for Scotia Global Asset Management’s Dynamic-branded funds – Dynamic Precious Metals Fund and Dynamic Active Global Gold ETF, to name a few. Robertjoins the podcast to explain what’s behind gold’s recent rise, why central banks around the world continue to increase their gold holdings, and how gold differs from other market assets. For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures   Views expressed regarding a particular company, security, industry or market sector are the views of the writer and should not be considered an indication of trading intent of any investment funds managed by 1832 Asset Management LP. These views should not be considered investment advice, nor should they be considered a recommendation to buy or sell. These views are subject to change at any time based upon markets and other conditions, and we disclaim any responsibility to update such views. Key moments this episode:   2:07 - Robert’s background and how he got into gold and mining  3:06 - What’s driving gold’s big rise right now?  5:35 – What is a fiat currency?  5:54 - Have we seen this kind of gold growth before?  7:24 - Why Canada has no gold reserves today  8:04 - Why other countries are still buying gold  9:45 - What makes gold a safe asset  10:46 - Why Canada matters in the global gold story  12:19 - How much gold Canada may still have left  13:54 - What the future of mining looks like in Canada  15:18 - What role gold plays in a diversified portfolio  16:33 - Where Robert thinks gold is headed next  17:56 - The biggest misconception people have about gold  19:08 - The main takeaway for Canadians watching gold right now

April 1, 202622 min

What is economic productivity?

For many, the word “productivity” evokes thoughts of completing a to-do list or running errands. But in economics, productivity refers to how efficiently a good or service is produced with inputs like labour or energy.  And Canada’s economic productivity has been stalling and it’s impacting our economy.  In this episode, Scotiabank’s Director of Forecasting Patrick Perrier joins us to break down Canada’s productivity problem, explain how it affects Canadians directly and much more.  For legal disclosures, please visit http://bit.ly/socialdisclaim and www.gbm.scotiabank.com/disclosures  Key moments this episode: 1:42 – What economists mean when talking about productivity3:02 – Why productivity should matter to Canadians6:30 – Canada’s productivity performance in recent years8:35 – What caused Canada’s poor productivity11:26 – Why productivity measures are volatile and hard to track12:48 – Is productivity about replacing workers or making them work harder?13:31 – How transformations like the Industrial Revolution and AI affect employment14:52 – Why is productivity especially important for Canada’s success today15:32 – How can countries like Canada improve productivity?17:29 – Is Canada on the right track with productivity?18:37 – Other countries that managed productivity well19:36 – Where to find productivity numbers reported20:04 – Patrick’s main takeaways on productivity

March 19, 202621 min

Bank of Canada holds steady as oil-price surge raises inflation risks

Once again, the Bank of Canada held the overnight interest rate at 2.25%, but signalled that higher oil prices due to the war in Iran will push up inflation in the near term.  Scotiabank’s Chief Economist Jean-François Perrault is back on the podcast to break down the latest rate decision, what it could mean for Canadians and what we could see in the second half of the year.   For legal disclosures, please visit ⁠http://bit.ly/socialdisclaim⁠ and ⁠www.gbm.scotiabank.com/disclosures⁠  Key moments this episode: 1:05 - JF walks us through the Bank of Canada's decision 2:23- JF paints a picture of Canada's economy and why it prompted the central bank to hold its key rate steady 5:18 - An overview of how the war in Iran affects the Canadian economy 9:22 - Unpacking how different provinces in Canada will be affected differently 11:33 - JF weighs in on when a policy rate change may be needed 15:06 - JF's outlook for interest rate decisions and why he still expects a rate hike in 2026 17:18 - A look at Canada's housing market and why you should consider renewing your mortgage soon 18:58 - JF's main takeaways for Canadians

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