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[Music] hello and welcome to the bankers tech talk video series looking at all things fintech weve been going now for about six years and you can watch all the previous episodes on thebanker.com tech talks im joy mcknight managing editor of the banker and im joined this week by james inglis who is director of newpay a fintech disruptor from papua new guinea james thanks so much for joining me today thanks for having me joy so how is new pay which is an end-to-end payment service provider how are you really changing the way that png does business as newpay is the first end-to-end payment service provider in papua new guinea were encouraging digital and financial inclusion through the adoption of digital payment services and e-government more importantly now this is also enabled through our first of its kind partnership with kinabank now were talking about e-government over the past 12 months weve launched comprehensive erp platforms with both the immigration and citizenship autho