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its great to be here I think Im now going to tell you a little bit more on a detailed level what we tried to do different in the product our product actually mainly if we got to first slide its mainly driven by design but user experience I would like to tell you on the next slide I would like to tell you I think design has changed a lot of industries design has changed the fashion industry it has changed travel industry but as how also changed the music industry and we design I always mean user experience but also how the user interfaces are looking on next slide everything normally in FinTech starts with the sign up so normally you have to start with the sign up so what do we try to do different on the left side you actually see a traditional bank and how it looks like if you open bank account so its normally a lot of fields its very complex it doesnt work on mobile so what we try to do is we try to create a really cool experience on your smartphone so what we do is actually we