Helping content meet design - Confab 2019

Ah, the web-design causality dilemma: The content provider won’t start without a design, and the designer won’t start without content. When only one side is set up to win, everybody loses—especially the end user.

It’s high time we addressed this chicken-and-egg problem through evolution: collaborative content design is here. By starting with a shared understanding of the work, and a willingness to meet in the middle with just enough content and just enough design, you too can break the cycle and create better, smarter web products—faster.

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Design notes:

Slide 2: Confab 2018 Lightning Talks - https://vimeo.com/272804041

Slides 7 & 8: Glenfinnan Viaduct, Glenfinnan, United Kingdom - Photo by Keith Bremner on Unsplash

Slides 9 & 10: Buster Keaton in "The General" - United Artists 1926

Slides 12, 36, 56 & 73: London Underground Roundel

Slides 14, 15 & 22: Mia wants treats! - Photo by Camylla Battani on Unsplash

Slide 19: A wall of post it notes from a design sprint - Photo by Will H McMahan on Unsplash

Slide 25: GOV.UK logo - Open Government license

Slide 30: https://www.bankofcanada.ca/unclaimed-balances/

Slides 31-34: https://design.bankofcanada.ca/

Slide 37: https://www.bankofcanada.ca/publications/boc-review/

Slide 43: The Scream - Edvard Munch, 1895 Lithograph in black on thick tan card, 13 ¾ x 9 ¾” x cm) The Munch Museum / The Munch-Ellingsen Group

Slides 46-48: https://www.bankofcanada.ca/publications/the-economy-plain-and-simple/

Slides 51 & 52: https://www.bankofcanada.ca/2019/03/spending-shifts-and-consumer-caution/

Slides 53 & 54: https://www.bankofcanada.ca/core-functions/financial-system/financial-system-hub/

Slide 57: https://www.bankofcanada.ca/banknotes/vertical10/

Slide 73: London Tube Map - originally designed by Harry Beck, 1931

Transcript

1. Helping content meet design Gord Roberts | @GordinaryWords #Confab2019 The views expressed by the speaker do not necessarily reflect those of the Bank of Canada's Governing Council. riium1 BANKOFCANADA .1...1...1, BANQUE DU CANADA
2. 8 nking on content strategy Gord Rob rt Ordfn Word
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6. riiirni1 BANK OF CANADA .1....1....1, BANQUE DU CANADA I I
8. You First YOU FIRST!
11. Content Design
12. PRODUCT
13. riiirni1 BANK OF CANADA .1....1....1, BANQUE DU CANADA Home » My Workplace • HR Online I HR Online HR Online is your first source for HR news and information. It provides complete and current information about the Bank's HR policies, programs, and resources. Please email all human resources inquiries to the HR Centre/ Centre RH 18.1 Recruitment Resources and Information to help you manage your staffing responsibilities. Manage Your Career Links to information to help you learn and grow professionally Total Compensation Information about compensation, pay, benefits and rewards at the bank Work Environment Information about your overal l workplace environment News - HR Put your New Year's resolution into motion: Wellington BeneFIT Centre opens 23 January! 16 January 2017 As of today, members can sign up for winter classes and sports in time for the official opening. Content Type(s): Announcement I Source(s): Corporate Administration, Corporate Services, Human Resources Ready to Retire seminar: Register by 25 January 10 January 2017 Tools & Resources Quick access to policies, forms, guidelines and other reference material. Career Opportunities Job postings updated regularly. Create your profile now. Canada's Top 100 Employers The Bank is again one of Canada's Top 100 Employers Essential Links Find a Job Contact Us HR Authorities Framework JB Salary Scales and Salary Ranges
15. HOW? WHAT? 4' •
16. What content problem are we trying to solve?
17. What content design problem are we trying to solve?
18. What content design problem are we trying to solve?
20. WE WANT THEY EXPECT
21. WE WANT THEY EXPECT
22. As a <doggo> I want to <be a good doggo> so that <I get a treat>
24. What have we seen like this before?
26. THEEIA~K DEPARTMENTS NEWS & EVENTS liOOL..S & RESOURCES: MY WOliKPLACE llome , ,.,, w orkplru>e , llfH Jnline I Your Performance and Development Find out how 10 set prioritles and goals, get regular feedback, and recap how you did at the end of the year Learn more from the video_ Set Goals for the Year T &Ii: to your leed about your goals for ~ he ~--ear - then record lhem In your Performance and DP.r,el0pmer1I Pl .n, which you t':~ i'l •~s.e IC) s:ur. J )Ott )'Our r,e,gulJ!lr t':Oflv'ersancu1s.. 11¥111-:19 Talk to your leader about your priorities "1 the beglnnl'1g of the ~ ••r. ,men )•au·re ready to otart your Performance and Development Plan. talk ta yoor leader about your d artmen e: Enlente and your own ec:c:ouniabllltles and team priori el3:. Ask ~ourself: t-1.:::iw een I con- lbute 10 -he objectives ,of my earn .e.nd department, t eklr.g rnto ::u::c:ounl vhafe; In my d P.~ r1m f!nl's. ~nteri1 e ar-1 d ieP.rn w.i,rlc J )llln for !hf! }'tar? Are 11,"re projec1s or inili;,tiy~ I '.WO Id like to b~ invoh•cd in? How can I imp: ,ewe- on current w..;>.rk., proceasea or rnlanori&tilf>&-? What are one or tl'l'O comp et enc-Jee I can focus on In my dall)' work ~ How E.hould I fur her develop ta lhe more effl:!cth,•e ~ mycurr role? Record your business arnd development goals Yot1 'frill thet:1 document )'our busin-e:;:a and d~dop m" nt gollls fO'T 1 he venr m your Perfo,rmi!lnGc ;and Do, d opment Plan. In ;,ddiilion to the core d;ay·t,o~at re:ipon.:i.ibilitiesi o-f y,ou role:, yoo ;,re ;.,c:coont.:iiblc for achic:..,ing y,our bu~ino~!:I and yoor d~Jopmcnt goals, .and or domon~tratmg th€' Bunk'~ compctcflc1€'!'3. Your ~ucce-s.a doing all of 1hat la wh at's re ected In your performance raUng and periarmance pay far th,e year. w· '"W1:1~ch he video abot.i 1 .annual go1:1ls., end get tlpB for Betting :.-ours. S,,arch 0. On this page Set Ge~ F or tl,~ Year Talk L e ~o• ~~er .about you- priorih~s Recetd )'IJUr b-J51ness ;,nd d~loi:me11t g,:r~ls H::!l'\'.f:! Reg;.il:!iir Ce~lmg Corwert2hc-11'S wit!, Yeur ~ :!Ider Rec~~ yoi..- ~ rforrnanc~ Ling :!!11d ~~~r Su1111rnary 1",ud :,om ewn oomr11e 11ts.
27. . ~ 8ANQ\JE CENTRALE THE BANK DEPARTMENTS NEWS & EVENTS TOOLS & RESOURCES MY WORKPLACE I My Workplace HR Online Getting Started at the Bank Information and resources for new employees to get aq uainted with HR Online. Managing Your Career Informat ion to help you learn and grow professiona I ly. Wellness & Safety Prog rams and suppo rt to promote your health and a safe work environment, along with news and information . Leadership Essentials Information on what the Bank expects of leaders, and support for leading your team and developing your skills. Pay, Benefits and Pension Informat ion, tools and answers related to your total compensation. Work Hours and Time Off Information and tools for recording, requesting and approving hours worked and time off. Search 0. Leaving the Bank What you need to know about resigning or retiring. Your Performance and Development Set your goals, develop competencies, and get coaching and feedback from your leader.
28. ~ - ~ llANOJJ ~ - ~ O NTRJ\IJ THE BANK DEPARTMENTS NEWS & EVENTS TOOLS & RESOURCES MY WORKPLACE I My Workplace HR Online Getting Started at the Bank Information and resources for new employees to get aqualnted wnh HR Online. Managing Your Career Information to help you learn and grow professionally. Wellness & Safety Programs and suppon to promote your health and a safe work environment, along with news and information. Services 234 Wellington Information about the spaces and services at Head Office. CSB Payroll Savings Program For Bank employees who are currently participating in the CSB Payroll Savings Program. Leadership Essentials Information on what the Bank expects of leaders, and suppon for leading your team and developing your skills. Pay, Benefits and Pension Information, tools and answers related to your total compensation. Work Hours and Time Off Information and tools for recording, requesting and approslng hours worked and time off. Communications Support Find information, tools and services for communicating Internally and externally, and for improving your communications skills. Expense Claims Information and tools for managing expense claims. Search 0. Leaving the Bank What you need to know about resigning or retiring. Your Performance and Development Set your goals, develop competencies, and get coaching and feedback from your leader. Corporate Travel Everything you need to know abou travelling on Bank business. ldeaSpace Step outside your ordinary,
29. 6 l\AN(t\1 1 . ~UNfkAU THE DANK DEPARTMENTS NEWS & EVENTS TOOLS & RESOURCES MY WORKPLACE Home :o My Workplace » Expense Claims I Submitting Claims Here's how to submit a claim. You can also access and amend existing claims. ~or h•lp, contact Accounts Payabl• by er'nail L'!sl or at •xt. 8080. Submitting a claim You can use the Subm~ Expense Claim app to c,eate and submit access and amend e,pe,ise claims, iiiHii&i Before you begin Fam iliarize yourself with our Fxpen&e Claim Guidelmee and Procedure&. Prepare yovr r~eipt:s, wrlich are required for all ,e)!pe11se types - except for meal per diema and the daily incidental allowance. Scanning receipts You can sca n ar:id email receipts (ram any s pp□rtin~ Bank printer: 1. Log In by swiping your Bank ID ca,d, 2. Place your original face up In the document feeder, or face down on the glass, TIP: Number and scan your receipts m the order in whoch hey appear on t e claim, You can Include more man one receipt per page, 3, T)lpe (or selec1) the email address to receive die scan. 4, Set any doc1,,1ment preferences, TIP: Use the B~W 1e)(1 ,nd line a'1 se11ing, for• be11er resolution ~ Star, the scan. and watch yoo r email for the anachmen . TI P: M.ake sure iliat all scanned rec:eipts are legible_ For help: Contac1: Knowledge and lnforma, ion Services (ext. 8881) (or support on mana~ing scanned documents. Contac1: the li S Service Desk (ext . 8911) ror aupport witli .scanning. Search 0. On this page Submrttingi a cl;;iim Before ~u begln l St art lhe- d ;)im 2. Choose the correc~ schema 3. Enter the da.lm delal h ~ 4. Add exp,ens.es 5. ARach recelpta 6 Savo and oubmit 7. Await apprO'li'al and pa)'ment Aoc:esslng a Claim Amending a Claim
30. https://www.bankofcanada.ca/unclaimed-balances/ riiili'iil BANK Of CANADA .I..L.I, BANQUE OU CANADA Searc.h ABOUT THE BANK CORE FUNCTIONS MARKETS BANK NOTES PUBLICATIONS RESEARCH PRESS STATISTICS Unclaimed Balances On this page, you can learn about unclaimed balances and how to find them. You ca n also make a claim, check its status or contact us. About Unclaimed Balances When a Canadian-dollar account. deposit or negotiable instrument held or issued by a federally-regulated bank or trust company has been inactive for 1 o years and the owner cannot be contacted. It is considered an ··unclaimed balance." Once a year on December 31. unclaimed balances are trar.sferred to the Bank of Canada. which acts as custod ian on behalf of the owners. By the numbers: • At the end of 2018, approximately 2 million unclaimed balances, worth $816 million. were on the Bank's books. Over 93 per c.ent of unclaimed balances were valued at under ~1,000. representing 26 per cent of the total value outstanding. • In 2018. the Bank paid out $11 million o balance holders. • The oldest balance dates back to 1900. Types of balances held Only the following types of unclaimed balances are held by the Bank of Canada. Accounts • CurrenVchequing accounts • savings accounts On this page About Unclaimed Balances Fmdmg an Undaimed Balance Making a Cli!!lim Checking Your Claim's Status Cont.,<1 Us FR
31. https://design.bankofcanada.ca/ Overview Introduction Guiding principles for content Design Components Charts Accessibility r;;;--ii'iil BANK OF CANADA ..i... BANQUE DU CANADA Introduction The Bank of Canada Design System is a "just enough documentation" approach to capturing the patterns and standards of our web framework. It's an iterative, collaborative resource intended to help scale the Bank's digitalization efforts. In this system: • Design - patterns for colour, typography, and layout • Components - usage notes for buttons, banners. and other reusable elements • Charts - standards for choosing and lmplemennng charts • Accessibility guidelines Content We've embedded content guidance directly into the documentation for this design system. We believe that content and design are symbiotic and Inseparable. so we're taking an Integrated approach to documenting them Just as we do with Implementing them. That said, we've also Included our guiding principles for content.
32. https://design.bankofcanada.ca/design/colour-scheme/ Overview Design Colour Typography Layout Components Charts Accessibility Colour riiimi1 BAN K OFCANAOA .1...1..1, BANQUE OU CA NADA Standardizing colour creates visual consistency and eliminates design guesswork. Brand Primary brand colours are used for elements that represent the Bank"s brand. Each colour 1 s web-accessible and has a darker and ighter shade. Jelly Bean #2972B1 Boston Blue tt428bca Cornflower Blue #5CA5E4 Moma # 0 80025 Red Ribbon #F4083E Pompadou r U5E005E Cardinal Pmk #nOATT Buddha Gold •D99000 Purple P1 uazz ROB00D5 Magenta / fuchsia #F40BEE Hawa11an Tan #A54E1C Copper #8E6735
33. https://design.bankofcanada.ca/components/hero/ Overview Design Components Button card la)'Cllt NoCJce Hero Banner icon Author Charts Accessibility Hero rirnrn1 SANK OFCANAOA .r...L..I, BANQUE OU CA NADA A large "hero" banner adds visual appeal to our digital publications such as The Economy. Plain and Simple and the Financial System Hub to add visual appeal. For quick reference. see technical parameters. Hero Banner Example Description text for hero banner example <div c.la!ios= boc:ss -h~ro '") <div closs-=." bocss-he-ro_ bg' sty] e.::.'"background • i•age ur l ( https; //design . bankof canada. ca/wp-con ent/ upl oads/2018/ 18 div c .ass•' bocss-hero la out-bott0111 no- rint· )
34. https://design.bankofcanada.ca/charts/selection-guide/ Overview Design Components Charts ChOOSing a chart type L..abell Ing charts Applyinc chart colours and textures Areacllan Bair or colurTVl cflGlrt Line chan P:iechart Scatter or YN chart Mixed chart Accessibility Marker chart ri'imii1 BANK OF CANADA .L...1...1. 8ANQUE OU CA NAOA Data considerations Pie chart When choo~ili,g, d chart type, consider the number cf variabJ~. ddla poinl!. dnd value!. to be di~played. Composition Dis.pl.ays parts of a whole .and its cycles c,,.,e.r ti!TH:!, 100% stack Few period with onPy relanve ,;Mf~n:nr;;:i::~ m ott~r Comparison Regular stack Relatlve and ,3,bso ute drffen!!:l"'ces m atter compares one or mulup!e datasets and the r differences O'lfer time. XV Scauer cha re ,,_a~;• . . Area stac k Mary penods of data
35. Create a shared understanding of the work: • Find what problem you’re trying to solve • Learn what both users and participants expect • Know what you’re working with, from and toward Product helping content meet design riiirni1 BANK OF CANADA .1....1....1, BANQUE DU CANADA
36. PROCESS
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39. Outline Working title Abstract Key messages Supporting points Considerations Takeaways riiirni1 BANK OF CANADA .1....1....1, BANQUE DU CANADA
40. Outline  Draft Working title  Title Abstract  Introduction Key messages  Subheads Supporting points  Body text Considerations  Marginal comments Takeaways  Conclusion riiirni1 BANK OF CANADA .1....1....1, BANQUE DU CANADA
41. Join forces on paper: • Highlight problems • Track direct edits • Use comments Peer Review 101 BANK OF CANADA .1....1....1, BANQUE DU CANADA f Millennial Politics """"' @M1llenPolrt1cs ( folow ) V #MarchForScience #FactsMatter \/hat dowe Wan+? £.VIO~NlE l:)ASED ~It:. NC,f;. 1 \,Jhtn do wt 'vlan'+ I+? AffE.~ ~~I<. IW/l~'t./ 11·13AM - 22 Apr 2017 261 Retweel5 480 Likes i) 0 10 u 261 0 480
42. Join forces on paper: • Highlight problems • Track direct edits • Use comments TIP: Keep things clean. Peer Review 101 BANK OF CANADA .1....1....1, BANQUE DU CANADA f Millennial Politics """"' @M1llenPolrt1cs ( folow ) V #MarchForScience #FactsMatter \/hat dowe Wan+? £.VIO~NlE l:)ASED ~It:. NC,f;. 1 \,Jhtn do wt 'vlan'+ I+? AffE.~ ~~I<. IW/l~'t./ 11·13AM - 22 Apr 2017 261 Retweel5 480 Likes i) 0 10 u 261 0 480
44. Join forces in person: • State the problem • Show the proposal • Get facts, not opinions Critique 101 riiirni1 BANK OF CANADA .1....1....1, BANQUE DU CANADA
45. Join forces in person: • State the problem • Show the proposal • Get facts, not opinions Critique 101 BE KIND= "Everyone did the best they could with the information theY had at the time"
46. https://www.bankofcanada.ca/publications/the-economy-plain-and-simple/ Making cents or wages IHl(l'.D!ICIM1".tu.lNiVIIDMUPll Price Ch~ck: lnflatian in Canada v111y;:,'Ee.ct<!r~aid.,..t-.11ct"l!eY1St,:o,c,e =,. ""- "",11. ~:19 rinruil OANK or CAW<OA .a...&..&. BANQUE DU CANADA -~INd.i.c.11
47. https://www.bankofcanada.ca/publications/the-economy-plain-and-simple/going-digital/ riinm1 BAN)( or CANAOA ""-&.,,I, BANQUE CU CA NAtlA Search ABOUT THE BANK CORE RJNCTIONS MARKETS BANK NOTES PUBLI CATIONS RESEARCH PRESS STATISTICS Going Digital The future has no analogue - - ~ • ▪ ▪ a ▪ Iii ▪ ▪ ▪ f ~ G• 00000 El What does the future hold? Does it look like Star Trek or Blade Runner? Paradise or dystopia? From automation, to machine learning and artificial intelligence. to the threat of robots taking all our jobs-the rise of the machine is everywhere. No surprise here: at the Bank of Canada, we're working to understand how digitalization affects the economy. Digitalization is everywhere Technology transforms the way we live, work and play. We call this "digital disruption." While no one can predict the future with certainty. we know one thing for sure-digital disruption is here, it's now and it's big. We see it throughout the Canadian economy, driven by both consumers in
48. https://www.bankofcanada.ca/publications/the-economy-plain-and-simple/making-cents-of-wages/ rimii1 lAHk Of CANA0,1, ~ lAHOllE OU CAHA.DA Making cents of wages aam m m· Your wages affect both your standard of living and the bottom line of the company you work for. Across the economy, wages affect • how much Canadians spend, save and borrow: • how much governments raise in taxes to spend on health care, education and other services; and the overall costs of companies and, therefore, their production and pricing decisions. So, it makes sense that we, as a central bank, care about your wages. Wages affect inflation, and inflation is at the heart of monetary policy. Determining wages-the basics I Wa~es are determined by the combinanon o~-1::ompanie5'' need (or labour demand) for worke~ and people's willingness to work (or tabour supply}. Labour demand When companies decide how much to pay you, they keep a few things in mind. What price they can charge for thei r prod ucts Th.rlt nricP m11<.t ;it Jp.;i,;t covPr thP rn,;t nf m.;ikinP" ;i nroclurt nr clP.livPrins> Never mill an article from Bank of Canada when you sign up for email alerts. 151'6 f M X
49. riiirni1 BANK OF CANADA .1....1....1, BANQUE DU CANADA Home ' Format i>ainter Jboard r, eview View Developer Help Q Tell me what you want to d Calibri(Body)· 28 • A" A. Aa · ,j, = =· C· '•· +ss +ss ~ L ,T AaBbCcDc AaB AaBb1 AaBbCi AaBbCcD AaBbCcDd Aa BbCcC Subtitle B I U · aee x, x' {]!, • a_i-, • A · ~ ~ ~ ~ lss= · ~ · :JJ · 1 No Spac... Heading 1 Font r, Paragraph r, Title of Article Short tagline for the article. Lead paragraph. Why should I read this article? Convince me! Key message #1 Body text Scannable subhead Body text Got an existing image, video, or some other asset we could use? If so, descri be & link it here. Got a new idea in mind? If so, describe it here. I Write a caption for the above asset. Key message #2 Heading 2 Heading 3 Heading 4 Heading 5 Trtle Styles Gordon Roberts Appears immediately below the title on the EPS landing page and within the article. Gordon Roberts r. ~ditin~ Appears immediately below the header within the EPS article. If additional context is needed before gening to the main body of the article, you can ~ it up with a short paragraph or two. Gordon Roberts Use as many as needed to break up the text. Gordon Roberts You can also use comments to describe an asset - but we'll need to make sure to convert it to this "'Asset" format later so we can get a caption written. Gordon Roberts Ideally, one asset per key message. Gordon Roberts
50. https://www.bankofcanada.ca/2019/03/fad-press-release-2019-03-06/ Bank of Canada maintains overnight rate target at 1 ¾ per cent FOR IMMEDIATE RELEASE Media Relations 613-782-8782 \. Ottawa, Ontario Ma rch 6, 2019 Available as: PDF ~ aam m m The Bank of c.anada today maintained its t.arge, for the ovem igh, race at 1 ¾per cent. The Bank Rate is correspondingly2 per cent and the deposit rate is 1 ½percent. Recent data suggest chat the slowdown in the global economy has been more pronounced and widespread than the Bank had forecast in its January Moneta,y Policy Report (MPR). While the sources of moderation appearto be multiple, trade tensions and uncertainty are weighing heavily on confdence and economic activity. It is difficult co disent.angle t hese confidence effects from other adverse factors, but it is dear t hat glotlal economic prospects would be buoyed t,y the res<Jlution of trade conflicts. Many central banks have acknowledged t he build"ng headwinds to growth, and fina ncial condit ions have eased as a result. Meanwhile, progress in US-China trade ta lks and policy stimulus in China have improv,ed market semiment and contributed to finmer commod·rty prices. For Ca nada, the Bank was projecting a temporary slowdown in late 2018 and early 2019, mainly because of last yea(s drop in oi l prices. The Bank had forecas, weak exports and investment in the energy sector and a decline in household spending in oil-producing provi nces. However, tl1e slowdown in the fourth quarter was sharper and more broadly based. Consumer spend·ng and the housing market were soft, despite strong growth in employment and labour income. Both exports and business investment also fel short of expectations. After growing at a pace of 1.8 per cent in 2018, it now appears that the economy will be weaker in the first half of 2019 than the Bank projected in January. Core infiation measures remain close to 2 per cent. CPI infiation eased to 1 .4 per cent in January, largely because of lower gasoline prices. The Bank expects CPI inflation to be slightly below the 2 per cent ta rgetthrough most of 2019, reflecting the impact of temporary factors, ind uding the drag from lower energy prices and a wider output gap. Governing Council judges that the outlook continues to warrant a policy interest rate chat is below its neutral range. Given the mixed piaure tha, the data present, it will take time co gauge the persistence of below-potential gro"Mh and t he implications for the infation outlook. With increased uncertainty about tl1e timing of futu re rate increases, Governing Coum:il will be watching d osely developments in household spending, oil markets, and global trade policy.
51. https://www.bankofcanada.ca/2019/03/spending-shifts-and-consumer-caution/ Search ABOUT TH E BANK CORE FUNCTIONS MARKETS BANK NOTES PUBLICATIONS RESEARCH PRESS STATISTICS Home .. Press .. Speeches. Spending Shifts and Consumer Caution Lynn P;atterson Hamilton Chamber of Comm erce Hamilton. On1ario March7, 201'9 Dl:I IIBIEI Speaking a day after we decided to hold interest rates unchanged, Deputy Governor Lyn n Patterson discussed the key points Governing Council considered in their decision. Focus:ing on consumer spending, she explained t hat households have slowed purchases more sharply in recent months than expected. Q A Progress Report on the Economy/ Le point sur la situation eco__ w!i~ Wa!<h Deputy Governor Lynn Patterson speak. ro [he Hamilton Chamber ofCommer<e. Policy rate unchanged We deoded to le-ave our key p~icy interest rate unchani:ed at 1.75 per cent ~ Read [he press release about the decision. On this page Sp,,r'HJin.sh.6vc:IWl!d ~h0LA,;l11:illt..drt! m.il1<1g,nsdg,i 0. FR
52. https://www.bankofcanada.ca/2019/03/spending-shifts-and-consumer-caution/#Spending-has-slowed Spending has slowed Consumer spending hiis been the ma n dl"Wer of che economy in recent years. but Vito didn"t: expect the pace of buyini: and borroWU1g to contmue. Growth ,n con.sumpa on-spend,ng on i:oodsand seNices-slowe<l compa red with 2017. So did housing. 'rhat means households contributed less to t he e..:onomy. we·ve seen ti"ese shifts:: Housini::salesand ?"Ces havec!Xlled Spending on non-essentlals like new cars and vacaaons has slowed. Growth in morq:age and c,onsumer borrowing has de,c;lin.ed ' ' Household spend;ng was lowe, than we expected ;n the founh quan e,, Mth categories more sensitive to imerest rates continuing to soften .... To better dete m1ine the facmr-s at play, we will need more data. - Lynn Patte rson. Deputy Governor Most households are managing debt High.er interest rates ,ncreas.e the am ount of interest you p.ay on your debt. 7his means l~s morrey to spend on other tl'lin.gs. However, intere,st rates are not the only fattor reducing h.ousehold spending: Lower prices for o I and other com mod iaes Mve affected n,uiorral income. Peop- e feel l"ke the;, are less: weiltthy bec..,use the housin.g mad et hils cooled . Disposable mcome i:rew more slowly last year. Global trade disputes It.we caused unceru ,nty. ' ' Data suggest the majority of households a,e manag;ng the;, debt levels .... That's not to say that for some individuals, struggling to keep up with their payments isn't demanding pa inful adjustments. - Lynn Piltterson, Deputy Governor O Media availability in Hamilton on March 7, 2019 / Point de press_ Wndil;ner 4111A I ·. A_,i JAS .... . _. ► . Watch Deputy Governor Patterson arswer questions from the media followini: her speech. We need time to better understand what's happening On this page P011L)l l.-eul1<.hl11,1!.ed Spendift&hil:1-:!-lowed \tu:.1.hou1,chold! .. m: r~de« W...m:.:dli,.,..Lobeltcrundcrst.,r'ld...t\Jl"~l'w?l)ffli,-.;;
53. https://www.bankofcanada.ca/core-functions/financial-system/financial-system-hub/ ABOUT THE BANK CORE FUNCTIONS MARKETS BANK NOTES PUBLICATIONS RESEARCH PRESS STATISTICS Financial System Hub STAFF ANAL YJICAL NOTES Price Caps in Canadian Bond Borrowing Markets Price concro!s, or caps, can lead to shortages, as 197(Js gasoline price controls illustrate. One million trades Promoting a stable and efficient financial system Non-Bank Financial Intermediation in Canada: An Update Non-bank financial intermediation provides a valuable alternative to traditional banking. We provide an update on the Bari<s monitoring of this area, iocluding insights obtained from new data soorces. Mard12£.201"!i A Perspective on Crypto "Money'' From a central banking perspective, the mone;:ary ands.cape 10 to 15 years from now could look raO'cally different than it does today. This paper explores some important research a11d policy quesrions for a central bank regarding cryptoassecs. Fellruary8.2019 FINANCIAL SYSTEM HUB Governor Poloz Speaks on Financial Vulnerabilities and Risks to the Economy In his final speech of 2018,
54. https://www.bankofcanada.ca/2018/06/assessment-of-vulnerabilities-and-risks/ ~ 8A NK or CANADA ....._., BANQUE OU C:ANAOA Home » Publications • Financial System Review Financial System Review: Assessment of Vulnerabilities and Risks - June 2018 Available as: PDF ~ aam m m Browse previous version s of the Financial System Review. In t he Financial Sysrem Review(FSR), t he Bankanatyzes the resilience of the Canadian financial system. The first section of the FSR summarizes the judgment of the Bank of canadds Govemlng Counctl on the mainwlnerabilities and risks to financial stability. It also highlights the efforts of authorities to mitigate those risks. Rnancial and macroeconomic scabillty are interrelated. The FSR's assessment of financial risks is therefore presented in the context of the Bank's assessment of macroeconomic conditions, as given in its Mane@,y Policy Report. The FSR also presents staff analysis of the fi nancial system and policies to support its resilience. More genera It:,', tile FSR promotes informed discussion on all aspects of the financial system. Introduction Elevated household indebtedness, housing mar1cet imbalances and the potential for cyber attacks ro disrupc the highly interconnected financial system remain the lceyw!nerabllities affecting the Canadian financial system. \o\lhile there are some continued signs of easing. hoosehold vulnerabilities remain elevated and are expected to persist for some time The Canadian economy is operating close to its potential. Labour income gro'M:h is solid, supporting households' ability to service their outstanding debt, albeit in an emnronment of rising global interest rates. As anticipated in the Ncr.rember 2017 Financial System Review(l=SR), roonetary, macroprudential and Ol:her policy measures have led to a slowing in household credlt grovvi:h and have moderated activity in the housing market. Tightened mortgage standards are also improvlng the quality of new mortgage lending, le<:1dingto few-er hooseholds becoming highly indebted. Although the market for single-family homes in Toronto has cooled, imbalances in condominium markets have continued to grow, particul<:1rty in Vancower and Toronto and t heir surrounding regions. Cyber attacks ancl o ther operational-risk incidents coold seriously disrupt the financial system if they propagated widely or undermined confidence. Collective actions to improve cyber -defences <1nd recovery plannin,g will help reduce the potential impact of such incidents. On this page Keywlner•btli1Je:SmtheC.n.1dliln firia.rmal !!)'stem Key risl.s A.ssessi~fir.ancial sr:iem,es.olience Safeguan:fingthe fina.ntial system Boxes Footnotes
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