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[Music] so ill do a quick introduction that im going to have on our panelists that are in the hot seat um so give a quick introduction and their company and about what they do at their firm so im uma wilson im with umb bank uh were based out of kansas city missouri were about 38 billion dollar in fine in asset sites im the chief information and product officer so thanks um for the opportunity and im looking forward to it so ben ben bianchino uh director at koopapay which is obviously a part of koopa based in san mateo business spin management company im also based in kansas city but yeah looking forward to the discussion today hi there im kristen robertson im the director of the account management team for payments and corporate cash at finastra finaster is the third largest financial services firm in the world selling 95 of what it takes to run a bank from the front to the back of the house built on a platform with open apis and a marketplace for innovation before finaster