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Hi my name is Antoine Cathelin, Im working on the product side for our authentication offering and Im working on the PSD2 rollout. So PSD2 is a second payment directive that was created by the European Union. PSD2 is introducing a mandate to perform strong customer authentication for payments. In scope of the regulation itself, the main aim and the main goal of PSD2 is to increase the overall security of the payment landscape within the European Union and to protect the shopper from fraudulent transactions. PSD2 just like every good rule has a geographical scope to where it is actually applying. The first one is the two legs in transaction. The first leg is where the issuer is located, where the issuer issued the card and the first one is where the acquirer is located. If both of them are part of the EEA, the European Economic Area, then you are in scope of PSD2. The second part is that PSD2 has actually type of transaction despite the fact of being two le