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hello everyone this video provides a high level overview about scheme certification for new issuers in this video we will look at water certification and various different certification processes with respect to cards and transaction process before we look into the certification process as is lets say a new bank or fintech company would like to launch cards and transaction processing these are the different features and functionalities that the new issuers would implement like new application processing onboarding the core receivables platform and rewards platform communications customer management collections etc apart from this the issuer would also worry about issuing the plastics that is the card management platform the authorization interface where it receives transactions from the scheme and process it and then the final clearing and settlement processes if you look at all of this the last vertical block with respect to the cards authorizations and clearing and settlement is wh