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[Music] hi everyone im margaret weichert im a managing director at accenture and the north america payments lead and im thrilled to be here today to talk about global payments and the transformations that are taking place in a journey to frictionless seamless payments um the topic of change in payments is is almost always on peoples mind but whats happening right now is being led by four key trends starting with a fundamental shift in the payment rails and the infrastructure thats processing payments around the world in canada obviously payments canada has been spending a ton of time on modernization and the banks are working to adopt this but these new payments rails are allowing new players and new paradigms to come into play where people are thinking differently about how quickly payments can move and what that means for the business models that are associated with them so its a really exciting time around the world as players start thinking about these new payment rails pay