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[Music] good afternoon everyone and welcome to our main stage paddle transforming payment data into valuable insights im allison barbosa from the chief commercial officer from women in payments and today im joined by george evers senior vice president customer solutions group product mastercard uh eddie kim principal applied scientist for at xero and gracely chief data and analytics officer at scotiabank lets start off talking by talking about the risks and rewards of payment data weve all heard that data will unlock infinite possibilities but there are guar rails that need to be put in place tell me what does that mean to each of you and your organizations um eddie why dont we start with you great thanks uh so at xero weve made some really interesting explicit public commitments to how were going to use data we call these our responsible data use commitments and its a relatively unique strategy in the tech ecosystem if you think about some different tech companies especially s