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[Music] what happened in financial services over the last year is that open banking is helping banks to talk the city use the same language and exchange data using the same standard and thats helping us to manage complexity so the fact that we now have standard apis we can pretty much reduce or help customers to manage this complexity that is so natural in our financial lives so as part of this shift from being compliant to start to be innovative in in banking its important for banks to understand that the API design and development and deployment is just they start the history the most important thing would be how these apis will enable data to be used in smarter ways so today customers they expect banks to help you to save money so thats a hygiene factor but going forward my argument would be that customers also expect banks to use their data to simplify customer journeys remove friction from traditional processes of onboarding or closing accounts or applying for a new product