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hi everyone im jeremy grant im managing director in the cyber security practice at venable a law firm in dc i also work as an advisor to phyto alliance helping them navigate some of the issues around the intersection of authentication technology and standards with all the places that policy and regulation play a role in authentication including uh in the financial services and fintech world to that end im thrilled that we get to have some time in todays event to focus in on what is in my view the single most important standards effort in fintech the work of the financial data exchange or fdx as its more commonly known at a time when fintech is driving a wave of innovation in financial services creating new ways to bank to invest to pay to make more informed financial decisions so much of what were trying to accomplish depends on enabling consumers uh to have an easy secure way to authorize different parties to access different elements of the financial data and as youll hear tod