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[Music] hmm [Music] hi everyone my name is kent vorland im the ceo of simply pay me in the uk along weve got close to six million smes all who struggle to gain access to proper financial services which again impacts their financial health and well-being now the reason for this is that we live in a world where all the onboarding is riddled with manual processes we have a risk aversion and risk assessment that is just not fit for sme especially not because theyre theyre companies and sole traders out there with minimal information and digital presence so basically what weve got to do in order to give them access to financial services include them in financial well-being is automate these risk assessment have helped them take the boxes with minimal information make sure that we can adjust our risk aversion to include smes into the financial services system and in doing so open up for financial inclusion and health and well-being for all and not just the larger enterprises thank you v