Peter MacKenzie is a Senior Policy Analyst at the C.D. Howe Institute and leads the Financial Services Research Initiative. His work focuses on digital payments, financial regulation, competition, and consumer outcomes in Canada’s financial sector. He joined the Institute in 2025 after working as an economics PhD intern at the Bank of Canada and as a data analyst at the University of Toronto. Peter earned a PhD in Economics from York University, where he studied the digital divide and cybersecurity in Canadian businesses. He brings a strong applied econometrics background to the Institute’s evidence-based policy research.