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Music so it's hard to talk seriously about finance without a conversation around FinTech the intersection of finance and technology and we really struggled with how to define it and how to address it because it means different things to different people and it impacts our our industry in so many ways so what do we do we turn to our good friend Gerry Doyle and more about Gerry in a minute but Gerry told us that we should think about it as the use of technology for disruption and innovation and so we have a panel that we put together today that Gerry will describe but we have disruptors we have some disrupted and we have some we're thinking about both and no one has been in the innovation economy in and around Boston probably I don't know how you can do that without knowing Gerry Gerry is a terrific friend of the school who runs the Shea Center for Entrepreneurship here at Boston College and skip the rest of the intro and turn it over to Gerry thanks Dan and not so when I went to researc

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