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so iamp;#39;ll do a quick introduction that iamp;#39;m 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 iamp;#39;m uma wilson iamp;#39;m with umb bank uh weamp;#39;re based out of kansas city missouri weamp;#39;re about 38 billion dollar in fine in asset sites iamp;#39;m the chief information and product officer so thanks um for the opportunity and iamp;#39;m 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 iamp;#39;m also based in kansas city but yeah looking forward to the discussion today hi there iamp;#39;m kristen robertson iamp;#39;m 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 ho