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you hi everybody thanks for joining today my name is Andrew shakey Ark I lead marketing here at Fido Alliance Im very pleased to have two expert speakers today to cover one of the hottest most pertinent topics really defy two authentication which is how Fido can help organizations achieve SCA compliance in ance with the PSC two directives thanks as we approach the mid September compliance deadline the imperative risk SCA compliance it only grows and its little wonder then that weve seen such a strong interest in todays webinar this is one of our strongest registrations weve ever had and the turnouts fantastic so its very good to have everybody on the speakers today our Alan Martin his VP a strategic partnerships at Alice hes also the co-chair the Fido Europe working group we also have my colleague ray Hayward ray is fidos certification director take a quick peek at the agenda youll see that Alan will first cover phyto essentials this is important for those of you on todays web