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hi my name is Elizabeth and today Ill be talking to you about tokenization which is a way of keeping data secure so why should we keep our data secure where it shouldnt be a mystery to any of you that a lot more of our data and information is online one great example are digital wallets there may not be as popular in the u.s. as they are abroad but we do have a few that I think have a following especially venmo I think most of you may be using it abroad actually they are extremely popular PTM in India has broken a lot of ground since demo D monetization last year and its becoming more and more mainstream alipay WeChat pay are almost the main way of paying in China using QR codes and a company called m-pesa in Africa has actually been bringing banking to mobile phones and helping a lot of people get into the economy by having bank accounts directly on their phone if youve also been following the news youve probably heard about the Equifax bdocHub which happened after I made the sli