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hello everyone and welcome back to a better computer my name is matt and today i wanted to talk about a thing that i have a good amount of expertise in but i never have a great chance to talk about on this channel and that is e-commerce so im a product designer by day and i work at a payments enablement company who enables payments for hundreds of thousands of merchants around the globe im not going to tell you exactly where i work uh but you could probably figure it out if you really wanted to but yeah im not going to be showing any specific product im really going to be talking in generalities around kind of how this stuff works how people take payments specifically online and so this is relevant to the ongoing conversation around whether apple and google should allow in-app payments from other payment providers should we allow other companies to provide payment forms in apps that go around the in-app purchase systems that apple and google have set up today that take 15 to 30 pe