Help Me With Sign Mississippi Banking Presentation

Help me with industry sign banking mississippi presentation now

[Music] so I believe that most of the participants fear of of you are aware about the rapid digital ship happening in the banking and the financial services industry now she which picked had really if you can see it has changed how the banking off it's nowadays how banks operate how customer behaves and everything what is but your banking is something I will say the next generation thing has just picked up while you're backing is a concept that picked a really long time back in you know Europe but in India we are still very very even a third stage and the opportunity size is very huge considering that the banks always have a lot of traditional ways not only in banking but also when I'm talking about their digital efforts and the digital transformations and innovations then also we are still at a very nascent stage now come to new banking we first would like to understand new banking actually is and what's so new about this banking now it was very interesting to note that you know this banking and financial services what has happened over the last so many decades is that banks have been offering products and services to the customers okay and this has been the you can say the bread and butter of most banks now wine production suffers so this is still being offered by them what is differentiating is the way in which it is provided so from a traditional customer walking into the branch or stumer using a specific banks services and their specific mobile applications internet applications web applications now we are not any more dependent on that so new banking has basically just opened up this entire place wherein a person can move on any one particular app or application see any FinTech small trend tech company or maybe any bank and we can actually access and service his accounts which he votes with different other banks so we just to give you an example so if new banking is something in India it's new banking were to happen so for example any who may be holding an account with maybe say five other bonds can login to of HDFC bank mobile app but at the same time you will be able to view your balances you will able to be doing services or transactions in your Bank of Baroda account State Bank of India account ICS a bank account through HDFC mobile app so the ecosystem has opened up and this opening up has happened due to the innovation which has taken place in terms of API so what we typically call as open banking or API banking right now what API badging does or I will say how it has been done is that see mostly new banking is being provided not by a bank nowadays in India but by a third party product or a third party service provider say for example PTM so you heard now if you have a Paytm you go there you can see that there are various options in patreon to view your passbook when you click on passbook you come to the wallet balance but that the same below wallet balance you also can see a number of other cards that you hold will and I am registered or maybe use some time unpaid Paytm penciler Bing application by that's the UPI application by and PCL so if you go on to begin application you will be able to see all the banks that you have registered over there with whom you have an account and you are able to view their balances so typically here what is happening is NPC I is a third party provider but but you this third party provider is showing you at a glance all the counts that you hold with one particular of the different banks you will be able to see them since you will be able to retrieve or able to do transactions from that maybe transfer money from that application so this is how a concept of third party a third party application helping you to serve your financial needs not through your banking applications is what is called new banking now best part of our new banking is that they do not they they are not restricted so most cases you will see major banks the difficulty for them is in scaling up or moving out one particular terming or one particular way of doing and move to a completely new platform or since there are traditionally problems and operations to rewire or region a the entire operations platform they have to re-engineer the entire banking platform they have to have a lot of technological challenges with respect to security legacy systems databases which all they have to update which is very very costly and I will say very tedious one actually tedious task so new banking providers they are not bound because they also do not have regulatory restrictions that most banks have so this is where they are in a much more advantageous position mostly nowadays new banks for the tourists they are not really restricted providing maybe one particular app though most of them specialize in one particular thing like payment somebody is into only account opening somebody seems to only you know lending but most cases people are now trying to get into a multi mode that is they're trying to offer everything so the only reason is that the margin is very thin in case you provide only one single product or one single service okay usually it is about account opening cards payments lending and wealth management so for example if you have seen PT you know that ATM money which is the wealth management app so you are able to do a lot of wealth management activities over there from mutual funds shares yeah I like that what the doing basically is they are focusing all their sub offerings around one particular way or one particular banking product now moving on if I say from your banking now that you have I believe you have got a fair understanding of what your banking is so we shall now talk about how the infrastructure of your banking or how typical new banking may look like so if you can look at the diagram you will see that we can divide it into three core models one is the core infrastructure one is the business model and what are the uses so when I am talking about the core infrastructure you will see the three or four layers that are given a word more the first one and the ground one we advanced and the pain faster so what you is infrastructure we're in the ground layer or the layer zero as we call it other institutions and there is of course the top layer which is the customer and the customers interactions in between how the transactions layers the underlying lending or the payment gateway layers new banking is just a bridge so this bridge is essentially connecting the entire banking in future and the consumers with one another without any dependency on the banks and if you look at the way in which the business model they're using like a b2b form or a b2c module you'll be able to see that the use cases over here are quite transparent so for example just already told you like feeling supporting Capelli payments are also it's an only channel payment processing well you do not need banks or customers do not need to select or depend upon one particular channel for that and they can as a whole leverage the entire infrastructure to do as the light now coming to some key points of new banking okay it is very important to know that new banking is usually restricted but is usually focused around these three key elements well is the customer experience one is the user convenience and one and I mean the last one I mean other processes so customer experience at being at the center it helps the new banks to define the processes accordingly so if you you can just imagine what used to happen so long is that our experience was dependent upon the processes as the process of Bank has so is them so will the customer experience depend upon it now it's just the other way round now it is important to give the customer a good experience and in order to create that experience they need to adjust or align their processes so process is now dependent upon experience and not just the other way round which is to happen earlier so well these two things are taken care of automatically convenience is something which is the center place if you what are the individual so let's customer experience so here the customer experience when we are talking about there are mainly I will say five to six key points which affects customer experience first is the cost cost is a very important thing so if you can see as mentioned over here interchange fee based model minimizes front-end friction so if you are charging what banks do is if the charge interchange fee okay to minimize customer facing fees such as monthly fee is mininum minimum balance fees and cold rough fees so this helps them a lot in getting revenues from the bank now how it happens is that for example you are a customer you have an account with a particular bank but you are unable to I will say unable to see that maybe or to carry out a certain service in your bank's mobile application or in your bank's web application but there's a third-party app which you use which allows you to carry out these applications within your bank account so for example we can see China it's one such neo back and 26 is another such so what they do is they earn around 1.5 percent in interchange revenue from visa through it's a company debit card so deed to the servicing and in doing the servicing they earn 1.5% of interchange revenue on the transactions that are taking place come to spending allowances and controls you'll see that nowadays there are lot of apps in place in the market called money management apps so there's something by fist there is some mantras also there's a new back so what do you do is that whatever spends that you make to your debit card or to distant transactions on internet banking or take any of the channel what to do is that they are able to read the sms's and then give you a clear understanding of this is the number of number of spends that you have done in the particular day or month or week or a year of that this much has been spent on these this much have been spent on these items like microwaves so this is something that your mobile banking and also to but what makes new pants again special is that they are not just giving you your interaction with that particular that they are giving it as a whole all the debits and credits you have done with all your bank accounts all your cards all your mobile banking apps no matter what so is that aggregated view or stock view and a one-stop way to do your carry on your financial life similarly you can see that a I credit scoring which is of course nowadays the I will say not the essence nowadays long the most important tools which is going to influence your credit life credit cards have been garnering a growth more than 40 percent over the last few years the number and actually have increased by around 37 to 40 percent then the volume of the amount has also increased somewhere to around 23 to 28 percent so and debit cards on the other hand have declined quite a lot so credit is an important element that is around our entire life nowadays we do this very few people now credit even it come to all others or pay later that is a later model you go to Zomato there is a used peter model which is given by lazy PA was given by simple and also I think that if you can see simple has tired of customers a lot of merchants provide these services and we do a will of the services and that is where we will realize that credit is much more important than we think about but to understand if to give the customer credit or not that is the important factor because a lot of sustainability of banks or you know conditions to kind of this to and to ensure that what they do is they use artificial intelligence and they use these algorithms along with their credit scoring model so what typically it will look like is that in case you are a customer who uses a mood so how much frequently do you pay your crater bills is there any over team is there anything else that can be done so all these elements are computed first extracted from the s places or the messages and then computed at the backend basis that your credit scoring is given so it is very important to understand that these elements which we are talking about actually they form an important part of customers whose how the same can be delivered so again if we can look at the next is like location domestic banking so if you are at any place you can do bank as I said again mobile banking is always there but at the same time mobile banking doesn't give you everything which new bands does and best part of the new banking is the third and the middle item is collaboration so the tie up with a lot of merchants and vendors in such a way that using the app maybe you can get better discounts better rates and these services which are bundled such a way not only helps them to get more users but also helps them to understand the different ways in which a customer interacts so the customer philosophy or understanding what a customer is something that I will say is extremely important for them are central to their business model and the future we can say understanding of where they are headed any bands talking about the properties so as I said that when we are focusing on the customer experience and once we have decided this is the experience we want to get for customers this is the convenience that we were to give automatically it it raises a question about processes new bands which you know as I said they have hundred-percent digital and no physical aspect that's why there are new bands and having no physical branches actually helps them to leverage these type of benefits that they can offer because they do not have any legacy operation often set of course may be infrastructure cost they are quite agile and they're quite clean in terms of their publicity and the processes and having created such a giant ecosystem it is easier for them to offer everything that a traditional player cannot so signing up from no exchange rate to people on boarding something which DVS did in the first way but there are certain regulatory requirements that needed to overcome and hence the this exact model was in a way in a way it was impeded then we have ATM withdrawal so you have every time you do ATM transactions and you lose your ATM cards more than five times you have to pay a fee but new banks do not have any says there will be ready to absorb the cost because there other elephants are taking up this making up for this inconvenience that they are in that they're having in losing or derivative so in for them it's not a revenue loss for them it is more of a gain I will just request you all to once look at this comparison model but how new Bank models before so much from the older incumbents model that old age banks how how's the difference you can take for example just have it in your mind any big band that you want I say say HDFC straight ban anybody they are the incumbent model and when I talk about to ban just think about in normal modern day apps you just think being for that example even though it's not a right example because in India do not have any particular new band right now we are still in the process of creating such a one but you can just imagine so just request you to once go through it to understand how these are so sort and from each other so I believe some of you I mean most of you may have just taken the look at it and understand actually that how this is different so the new banks basically have done away with their branches and physical networks dependent or I will say have have based their entire model upon mobility and open API is to which they communicate with marketplace at one end and the marketplace community which is to say the appearance on the other way second yes we have already spoken about the technology infrastructure that they are quite because and having not having banks which do not pay any any own accounts of their own or which do not have the I will say the restrictions that have attached to normally take backs what is best for them is that they do not comply to certain regulatory norms which makes their tech infrastructure less agile or less you know so they are very lean in that case third and most important data point so while most banks depend upon product and center their businesses around these new person and depend upon the customers data customs dat they are able to get the entire in one place data drives decision great arrives and lobbies the organized line which is typically from a different person who would like to open up in your bank that customers need would drive you to take up your you know business time or organizations design so if you are if you're thinking if you have enough data to understand that no this is the meat of the market then you would like to go ahead and you would like to lock your maybe in your bank which will help but you have better known certain product or maybe year to define your internal structures that will help you to understand and do it because you're always having the customer at the center of your organization's model as well as your offering more now let's look at a strategy so as we spoke earlier epi is are the set point of a new bank so new max entire existence I will say and some ap IDEs so and what are the different you know ways in which they can do it so you can look at the API model and see that there are basically three spokes to it if you can never spoke one is the users one is the financial data and want the revenue now you're talking about in users until I told you users are something that that should not be difficult to get by if you can offer something one-stop for someone this you're having 810 Bank apps I will just have one up to on servicing or all the transactions now monetizing the data so when I talk in monetizing just understand from this point that you are a filter company and you would to get certain customer data in order to maybe build a product or office but how do you get this data because in order to get this data you have to ask for the consent and then once the customer gives a consent you can send a request to the customers path to provide you with that data and once you have the data in you can use this data and share this day again postal customer's concerned with others now in this entire cycle what is interesting is that while you are sharing a data of the customer post his consent you can actually monetize it and when I'm talking about monetizing this data it is like if you are willing to say you need a fan number so you need to call them somebody something tech company come over to you use a plugin play API and call to understand what is app and number of a certain customer then they are trying to access if you give this data for this API call you will charge baby for the person or maybe a rupee and you in turn for maybe give twenty or thirty peso to the bank from whom you have got this ap a band number so what's happening here is that 70 percent 70 pressure or 70 percent I would say is your profit over here so this is how you watch this one of the ways in which is do take the Commission and the earning part if any customer uses your platform - how do I say to perform or certain transaction maybe a payment transaction or maybe any other value-added transaction value added services are given by a pack so he has to pay a certain fee so maybe he does a transaction for two thousand rupees so when he is doing a transaction for two thousand rupees there's a certain fees which is charged by the back what he or banks typically do is that they just would share this sort of feel with the FinTech companies what helps is that everyone is a winner while up until beginning a new customer the neo banks will be getting in certain country and so they will pass it on to the others so this is how I say that on your bank's business model is based on he's a completely equally driven morning without any chance of not getting into any you know I would say regulatory issue so this this is something which is a growing one oh I think that this is a point where this is a data which was published some time back by one of the top consulting firms so if you can see so we you can see that new banking what are the general factors which influence new banking so most cases you will see that for you know for people it's trust and digital self-service right talk to so this is exported for us nowadays because of course we do not want to venture out of our comfort zones of office or maybe our home and we will always like to do things wait and the second is trust so I will the there has to be a trust and fine if I am parking my money with them or if I am doing transactions I know that my data is secure and my confidently information is computation it won't be leaked so these two factors are the primary things that private apartment that people also look at simplicity locations which is not very important in case of your banking because you know they do not have any practice recognition some bit of when it comes to payments and of course immediate access immediate access is again a very important thing but as you know that beats mobile banking or internet banking it's always accessible to you but neo backs have to sing now when it comes to it that they should be able to be there at any time that the customer wants what do you speak if you look on to the with the continent next lines so just have explained these are the few points which was of a was conducted and this for the points which customers chose as their parameters for selecting a new bank as their trusted to party so you will see that transparency low-cost experience is at the top for improved financial wellness well as I told you these are the simple points where you leverage here I and data science to help you give an idea of what financial wellness how financially well-off you are and things like so this will be one more point and next few points you can see is the micro segment inclusion so typically neo banks will be used by all those mints in the society who are marginalized but who do not have the access to banking services for which they have to bear a cost and neo banks give them a shot at it because they have lowest cost model in the market apart from that I think by banking only channel experience value added services to add but the top five six would be the prime for any person to choose a new back then customer support my bad and miss it out customer support is very involving what has changed over the years I'm sure you have yourself see from a typical person person advisory or support we have now moved to shafts chatbots video and interactive so this is something which in your back is able to leverage and something which most evenly large banks do not have nowadays that's not a meal this is just a brief of you know sketch to understand how the disruption is happening across the entire portal so when it comes to you will see became and basic banking services so it transactional services which means automation and which is being provided by new banks welcome to wealth management it is both the relationship as well as transactional services and corporate banking and institutional banking always have relationship services which need to be disrupted while Neil banks do not typically focus on banking they do focus however on wealth rican and a large part of SPN ms/ms of customers because this is the I would say that these are the two segments which have the most game and which are the which have a lot to lose and this is a typical pain point that we have been trying to solve over so many lives hope the Bank of India which is now moving towards a much much I will say agile model of banking open up however in India there is no permit person in your back we are yet to do it efforts are being taken by different companies from banks to ensure that we are all moving purse at you know nor faith but we are yet to reach that milestone however in India how near banking happens is through a third-party provider so for example if you have heard of the NBA FC a which is the end account aggregator model yes that is one big model where and that is the first step with the advent of launching the emerging tech not into the banking sector we will not very far say that we will see you're completing your back in India because once the trust level is established through blotching there would be easier ways to audit and almost a foolproof way to prevent fraud our primary concern of reserve bank assigned license for Sonia back so these models lending basic banking versus personal finance management insurance are the top priorities and they are in place much more getting disrupted much more whiny SME banking and still evolving with their API based banking little some access a bank has done so far to a certain extent and Investment Banking is also something that is going to happen not it was not the typical investment banking there's more about your health or financial management so these are the ways it's going to happen in the next over the next few years and now you can see that the other full-stack near banks most of them mules are foreign banks with human cannon being the first full neat banks full digital bands that are in place where as n 26 mojo Starling are very light platforms but they also have been safer latest new your bank and very soon we are going to public offering by them because they are going public you can look at the front end focus on your banks who focus on you know the banking providing balances even though they are not themselves from the banks you can see in the b2c category which is more important how they are strong for the players what I suggest is that it's very important to get an idea about them so just try to search for these banks on the internet so that you are able to and you can go on their their website and you can see you cannot use their platforms or their applications through google app because they won't allow you to use patients in India but you can always get a look and feel of what they are trying to do and how is it that they're addressing these typical problems by ensuring that they are secret and at the same time so coming to that I think the sister this is where it ends for most customers or most consumers at what your back is and how new banking what is your banking doing more house and skip and everything however I am bit optimistic that some of you may be clear people who would like to suck take some day definitely open a new new back which is so much different you know very short the five slides which I'm sure should help smooth over here so I move on to that so it's just basically to watch convulsion your bank how do you do it so typically we move from a concept to you know you create a concept and from concept you move on to the launch once you launch it you go to a big fees and slowly you grow your business and after a certain period in the growth phase you then evolve into you know sustainable business model this is a very short idea as to how can do it I'm sure were interested I would say that you know please try to go through it as a whole and understand if you may also look at implementing it something at your own end lords are doing it and a lot of people who are coming up from scratch just an idea can do it so I think it will be helpful for you so this is as I was telling you this is whatever I really wanted to show all of you how the architecture looks like so just eyes explained earlier you know see it's a very open architecture a platform with all the channels the API ecosystem and the you know integration and the orchestration and all the products are not you know they are not clubbed you can see that each of these products are less of a product and more of API so you just need to plug in and any application which is calling these API of zooming the api's can actually track to the entire way from home deposits right Lenny so the entire hub is very it's very horizontal and not a vertical structure which it was earlier so I believe that this presentation when you some idea as to how a new bank operates and what your banking is so thank you very much for coming on to the or the webinar the poor time out for this session somebody is asking for example somebody's asking is new banking new Darby area or the license yes any banking services need license but however as we pack is not a typical bank right now you do not need our license for opening of FinTech company of your deck app but if you are to you connect with banking users then definitely you not need a license but you will need to register with RBI as a PSP that is a payment service provider or a banking service provider that is one second is what is only child so typically omni-channel experience is it's not a very what we mean by only channel experience is when you offer a product or services through all your channels with the same experience in each of them so when I say this what I mean is if you are doing a payment transaction through mobile banking app the payment transaction will have to give you the same experience and the journey in internet banking in ATM banking in fewest bank so across all these channels the jobs in your experience will be the same and you use a job thing so that is what is called only channel that is from come of all challenges I see somebody has I am a financial advisor millions 12 years concept is good how can we work join me to share us link so guys how do you want to do that you want to connect I even think that you can connect the with directly with amat extreme and definitely and a lot it will help you in getting collected and giving advisory on how to connect the right players who will be able to structure the advice on what you can do if you have a good idea thing like that would be happy next question is how does one of course the licensing aspect around your bank's how could this be positioned in India perhaps a technical solution Plusle Bank at the bank could you please share your thoughts on this yes sure sort of these questions from mr. sort of Raj so an see sort of what is hmm typically important is that for banking license it is one thing and for new banking license if something else as I said right now neo banks do not exist in India as a new bank they do not exist they exist as what's been taken so it is not very difficult to open up a friend Jack I think if you want to open up a fake what you need is right business model in mind and you also need a regulatory and is from maybe some what a lawyer around around I will say company know that zone mode do not need anything right now as a license from RTI in future if you want to approach RBI for license it will depend based on the type of licensure because a bank there are a lot of types of banks there is universe tube and there is a small finance bank there is payment backs you know so so do payment back is not such a good idea there it's the surfing it is very low people often run out but yes small finance bank Universal Bank will definitely do the trick and for that you need to have certain things in place so if you want you can connect directly with the Immortals team and they will help you out in getting the or right advisory from the right person right okay next question hi my name is Nathan Georgiana I need to do a Ireland Europe for me mr Fielding can this be a good plan I learned Europe Emma sniffing tech 3 I mean I wouldn't really combine these 3 if you want to do a MSC in FinTech it was very important to why you want to do it what is it that you are king at after completing this once you get these two items on basis of that you can choose the location and not the other way around so you may go to a hundred Europe and do your MSC but only for those which will you know will help you to get a definite maybe a job or if you want to go into entrepreneurship then suddenly something that will help you do that so I will say that please this is a very important thing that you are doing a master's so please connect the team a team articles and they will be able to give you the right counseling as to where or the right and the other sale as to how you can go about this if you're really serious about it then yes definitely you will need that advice because it's not small either you're gonna invest a lot of money into it want is to be fruitful venture how customers will trust in your bank without license well how do you trust Google pay how do you trust patreon you never knew about patreon you never Google pay and why do you trust Google it's the same thing you cannot trust anything I mean just from the basis of nothing or you cannot just blankly say I just trust it has to be a reason for distrust too so typically any neo Bank as I said neo Bank like you're trusting of being other act you're posting PTM app you're trusting Google you're giving them all the details will knows everything about you something even which a bank does so not a question of just trust you also have to see who is it what are they doing is there something distrustful about them so yes research bit of this has to be done first the company law in India is not that weak so any new back even if they do not needle a license they will mean that company license and in order to open up a company they will need to register with the government there's the SME MCA everyone so yes you can find the data about them so it won't be an issue like this which I can guarantee for you but however and caution doesn't go amiss so definitely do your research definitely talk to PP understand how it happens okay what are the carrier opportunity senior level bankers in the FinTech industry what kind of roles typically in the FinTech industry senior level bankers now this is a very open question senior level backers can be many things they can be sales role they can mean product rule they can be in finance and councils so it depends but yes opportunities are there for everyone who wants to align themselves but if you are interested in moving into a FinTech domain senior bankers are interested into moving into a finding domain what they should primarily do is they should primarily understand or get a deep understanding and learning of what FinTech is what FinTech does and how it does that we can help you with that I mean definitely Martens can definitely help you with that focus and I think what is the procedure for opening your bank same as other banks no it is not it is not the same I have a repeated it is not the same there is no hassle I will say there is not that much hassle if you really want a good advisory and guidance please please connect with the Americas team and they will guide you on how to even if you want to open or launch your bank on your own I think if someone one of you does it will be a great thing I'll be happy that someone did can your bank should place about traditional banking system in the future or yes definitely it is going to replace very soon this to replace very very soon and this is to zero to zero we are talking about give us five years see where we are because the current model of banking is not sustainable it's definitely not attainable and people need to be ashore or that their money insecure trust me even with the current bands that you have your money I don't know know whether most of you're aware about it or not but yes your money is not completely secure for exact because each and every bank has something which is known as you know has a guarantee so they have they have to that here so the grantee is that if you have maybe ten lakh rupees in the bank but if your bank suddenly Falls or undergoes a theft then they are not liable for your 10 lakh rupees they are fully covered or your company is only covered up to 1 lakh rupees and this is for all banks in India and for any other bank no foreign bank whatever the same they are not liable because under the Credit Guarantee Scheme this is the truth that they are not liable to cover his back there has been a fee as they have been quite a sum about a plane market and HTC bank when they have started printing this information on the pass books this true credit guarantee deposit operation of India they are responsible for this only up to one man save any of you are having crores of rupees in maybe one time you are only in showed up to one that that's that's it how do you see new banking if you how are you betting appeal capital markets apart as I told you basic balance back financial services and weather which is typically capital market domain they are going to be affected or disrupted soon the only reason mean that most you pick a lot of time a lot of cumbersome processes and a lot of fees from the customers to provide these services Neil banks will do the same if we go to pay DM money and you do your wealth management new book mutual funds you buy mutual funds you buy shares you go go on to that zero dollar aiding platform they don't charge you that much but banks do so wherever as I told whenever there is a high involvement of financial fees it tree is going to affect it's definitely in some way or the other you will see that soon happening and more it's already started so new banks definitely they pose a threat to you and last but not the least I think there's one last question I am a chartered accountant student how can I prepare muscle for this I'm a chartered accountant system and I prepare margin for this my friend if you really want to prepare yourself or something which is coming and trust me when I say that it is very important to have the right skills being a chartered accountant I'm please pardon me for saying so but an accountant it's not enough nowadays even being a banker or engineer is not enough you have to upskill yourself constantly if you even if you're moving in for charging or then you move into audit or investment banking you will soon see that you need technical skills like programming coding data science artificial intelligence because these are the things we are going to dominate the next chains of banking trust me I am I'm working in this industry for the last 11 years okay and last 11 years I am working here and I still am learning and still am learning coding so I have recently started off and joined enrolled for a Python programming class because I know that if I don't learn this Python programming today tomorrow my job will evolve so job is not taken away ok wrong concept jobs are not lost because they are no more their jobs change just changes bank was their banking is their banking will wither only the way banking is done is for that to work in that particular way you need some skill sets so these skills have to be acquired over time unfortunately we live in a era where changes are constantly happening and we have to have to upgrade ourselves we can't help that so I will say if you really want to learn gamma head contact the Americas team we have really good program you can help you to do it