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[Music] [Music] [Applause] [Music] [Music] hi there good afternoon all um and welcome to our session um the ambition for real-time payments so we're going to uh take you through a journey today um of transformation from manual to digital payments with the ultimate goal of real time um so just to uh really set the scene and do some introductions um i'll let john introduce himself but i'm barry o'sullivan i'm strategic payments director at cariba um cariba is a tech sas tms payments working capital and risk management and solutions company and i specifically uh work within our payments division my background actually is 15 years within corporate foreign exchange risk management and global payment solutions within the fintech world so not directly in sas um helping organizations either mitigate and manage foreign exchange risk or manage their global payment processes and i'll hand you over to john thank you barry for the introduction i&#

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