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all right so Im going to be talking about privacy-preserving payment splitting and this is joint work with me hi Chris addressed sue at visa research and pay mama hassle at Facebook so because weve all been at home for a long time now I wanted to start with a kind of nostalgic photo of having lunch with some colleagues California Avenue also and my colleagues in this photo would be happy but their smiles are all upside down because its the end of the meal and the build has come and they need to figure out how to split the bill and everybody has pulled out their cash and theyre moving it around and this is a very unpleasant situation to be in all the more unpleasant in our new worlds were handling cash and touching things is much less enjoyable than it once was so something that a lot of people turn to to get around this hassle of having to deal with the cash is to use payments living apps and if youre not familiar with them payments building apps allow you to form a group of peop