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hello this is Tom Noize and I thought Id give a quick chat today on global clearing and settlement payments our complex business and given that theres not many degrees Im aware of and how payments actually work let it go through an example today I thought payments flow internationally the implications here are relevant to both international payments which is the subject of the the animations here but also any kind of payments that are going across proprietary networks whether domestically or across borders in this example today well take a look at a bank customer in United Kingdom or trying to send money to a client in Australia each country has its own domestic clearing and settlement system in the United States its the Clearing House and the United Kingdom its backs and in Australia is run by card linked or be pay lets assume today that a business in the United Kingdom mm-hmm wants to send money from UK to Australia now in each one this example were gonna look at how Swift pl
