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today the reality of bank deposit Balin [Music] hello again its Martin North from digital finance analytics well device is post covering finance and problem use with a distinctively Australian and New Zealand flavour and today I want to discuss bank deposit baylins this is a subject that is very concerning to many people judging by the number of questions that Ive received recently and I find it very interesting that people in New Zealand seem to be unaware of what is in place there thanks to the Reserve Bank of New Zealands initiatives which will put in place some time ago and what I want to do is to talk about deposit better than in more detail today and use the New Zealand scenario as a way of illustrating the key points so to start the story lets look at the open banking resolution which is something found on the Reserve Bank of New Zealand website and it essentially highlights the journey that will be taken if a bank failed and the cartoon actually tells the story quite well