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Alan sleight to is useful for HSBC as it offers to our corporate in your way to the nectar Swift an easy way and a cheap way the part of the business it's going to be using the services of Swift and alliance light to initially will be treasury and finance so looking at our payments outbound payments or outbound direct debit collections as well as inbound reporting in the form of bank statements as well as payment status notifications so lines like to does a number of things but what it does is it combines basically a service bureau as well as the product of Swift into one so that means I I as a treasurer my Treasury team has less vendors to manage implementing on n slide 24 a corporate becomes easy mainly because it's a cloud-based solution anytime you help simplify a process it becomes more efficient and comes scalable and that's what Alliance like to is helping us do we actually initially decided to utilize a service bureau and we went to a an RFP process to select one and then proceeded to try to negotiate an agreement with them over a almost a full year period and we're having great difficulty with that at the same time a swift team approached just saying oh we've got this new product which we're piloting you know Alliance like to we think it could be really interesting for you or you know would you be interested in hearing more details and absolutely we were interested in it from start to finish up getting contracting to actually getting the tokens for Alliance I to it took three weeks and and then the second part of the implementation was actually integrating it with our automation project and that actually went so well that we actually had to slow it down because the lot of the other pieces had to catch up we had a flawless pilot in July including the Alliance light two piece we've had great technical support in terms of the implementation it's been a great piece of technology our IT guys call it regular army or industrial strength it's reliable it's easy to manage and expectations are known and it works very well I think for corporates it's it's ideal you know you don't have to become an expert in swift messaging but it does handle what corporates would consider high-volume so absolutely I would you know wholeheartedly recommend it to another corporate as a Methodist driftnet accent it is quick to implement it is a cheap way to go to Swift and it can give you a very good first experience bounce rest it's a no-brainer from a treasury perspective it's very efficient from a cost perspective it's very easy to implement it is industrial-strength and it gives you that one pipe to the bank that all Treasuries want to have