>- an in-app button to debit my bank for the balance without me having to go to my bank's app to send a bill pay.
?!? Are you saying that Amex is the first Canadian credit card you've used to let you make the payment from on its app, with Amex pulling the funds from your bank? Other Canadian credit cards all require you to "push" payments to them via your bank's billpay? This astounds me.