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[Music] well welcome to the bis innovation summit im stephanie flanders head of bloomberg economics and im delighted to be moderating this session on a very uh important topic that we see central banks in particular commenting on almost uh every day uh the development of digital currencies and the potential role for regulators and central banks within that emerging landscape as we all use uh digital uh currencies and assets um more and more in our daily lives and more and more of the worlds financial transactions are are based on these uh based on these things and im delighted that weve got some some really excellent uh contributors to this panel some of whom have been pioneers uh in this in this debate um governor stefan inverse the governor of the swedish central bank the ricks bank one of the very first central banks to pilot a central bank digital currency uh giorogi governor of the central bank of kenya jose antonio alvarez the ceo of santander and gary gorton whos a profes