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hi im william rondon cloud advocate with ibm and how many times have you called in to your customer service agent given them all your information like your name date of birth account number and then once you tell them your actual problem they transfer you to another agent who then asks you the same exact questions can you give me your name date of birth account number like if that first conversation had never really happened well this is an example of poor data governance and highlights how the inefficient sharing of data and permissions in a company can have an impact on you as a customer so lets take a look at that customer service example and put it in the context of a bank and think about how that information got into the hands of the customer service agent in the first place and it all starts with a central repository for data and this central repository has all different types of data flowing into it from the website or the mobile app where you as the customer fill out informa