BMO Financial Group has partnered with Conferma to enhance the Canadian bank's existing Mastercard virtual card offering, which it piloted in 2014. Through an application programming interface, Conferma enables BMO to email virtual cards to participating hotels in addition to faxing details to them. BMO head of North American cards Steve Pedersen said the email option increases automation. For BMO, the agreement also opens Conferma's expansive network of travel management company partnerships.