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all right good morning and welcome to our webinar on automating cross-sell and customer experience for banks and credit unions if there are any questions throughout the presentation today feel free to toss those into the chat and well also have a little bit of time at the end for those questions as well so lets start by covering what are we going to talk about today first of all well do some quick introductions so you know who we are and what were all about then well talk about the challenges that finserv is facing right now and how automated cross-sell is important to overcoming some of those challenges well also talk about overcoming those challenges from the digital transformation standpoint and the ability to automate with less reliance on the it department and well answer some faqs about that approach from there we will show some real world examples of what that automation can look like so we are technology advisors were a digital transformation company out of chicago we d