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[Music] do you remember when you actually had to go to the bank to do your bank hours this was before you could pay bills buy things or wire money from the device in your pocket I know it must be hard to imagine for all of you Millennials out there today you dont even have to sign contracts your smartphone it recognizes your pretty face but behind the glistening interface of your payment apps there is a tangled web of transfers rates and fees or at least they used to be in 2012 and as announced to Dames with backgrounds in banking and law foresaw the second wave of FinTech and the demand for mission critical infrastructure for online cross-border payment processing three years later banking circle was born founded on the idea to offer banks and newcomers in the financial space an automated platform for quick safe and cost-efficient payments today theres a good chance that youre using banking circle services without even knowing it it may have been the Scandinavian mindset that brou