Anneke Kosse is a Research Advisor at the Bank of Canada. Her research focuses on the modernization of the Canadian payment ecosystem. Anneke has a strong research and policy background in the area of payments and financial market infrastructures. Prior to her current position, Anneke was a Principal Researcher at the Bank of Canada's Payment Systems Oversight team where she studied the behavior, liquidity usage and risks in payment systems. Prior to that, Anneke was a Senior Policy Advisor and Researcher at the Market Infrastructures Policy department of the Nederlandsche Bank (DNB). Here she was the project lead of DNB's work on CCP resolution and resolution planning and the lead-author of DNB's medium-term vision regarding payments and market infrastructures. From 2006 to 2014, Anneke worked at DNB’s Payments Systems Policy Department, studying consumers’ and retailers’ payment behavior, and from 2014 to 2017, she worked at the Bank of Canada, where she led the Bank of Canada’s Cost of Payments Study. Anneke holds a PhD in Business and Economics from Tilburg University and a Master's degree in International Development Studies from Wageningen University.