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hello my name is facile Khan I am a banking in a payment consultant and today I want to talk about the vertical stack of payments whenever you want to or rather when people want to enter the world of payments they do so with remittances why because they say remittance is the low-hanging fruit why is it the low-hanging fruit people you know ask well peer-to-peer transfers is the simplest form of exchange that is known to man for hundreds of years were making a payment from me to someone else someone else paying me is the most basic form of how currency exchange takes place but then in the vertical stack we can go up the vertical stack and have more services and products that otherwise are not available for exactly sure you can scale horizontally as well but you should also look at scaling vertically what does that mean to scale vertically well so after the basic p2p there are things like mobile top UPS so in the remittance space a value-added service that you would offer after than ba