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hi everyone thanks for joining me my name is Andrew and Im going to talk a bit about how were driving data culture change with data contracts so I for compy Co goard this um in case you haven heard of us were building the worlds leading Bank payment Network and were fintech based here in London and most of our companies and our customers use us for S of curent or subscription based payments so it could be a gym subscript ion it could be your enery bills it could be um maybe reing charity payments things like that um some big customers include people like the guardian or doc sign or people like that as well um typically weve been using direct debit to take these payments but more recently were also one of the leading companies in the open banking space using that for payments and its opportunities with open banking so were based in London but we operate in many countries around the world um so you can make payments across International borders as well which very carless in term
