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okay so I'm Stephen and I'm just speaking about open banking and open source FinTech so I think it's actually really good that I actually followed Adam because I'm represent sort of the dual side to him so I worked for a fin tech company which worked with banks and he works for a bank so I'm gonna give you kind of the the FinTech start-up perspective on these things and my talk is gonna be about the shortcoming is in the current banking infrastructure how open banking and open source are potential remedies and the solutions and most the best way to start interacting with FinTech startups to maximize the wins that both institutions can have so so I'm Stephen I'm the CTO of a fin tech startup here in London I moved here to London about three years ago from the states so my background is originally like Adam I also came from physics before I turned to the dark side and went into finance so my background is in a variety of things I&am

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