and it's a different mindset it's it's it's absolutely fantastic

so the first question I have for the panel really is

intermediation 4.0 what

does it mean for you where do you see it moving

forward which areas do you think will really
fundamentally change how

financial services is intermediated FinTech is FinTech

FinTech is collapsing

existing processes and protocols intermediation 4.0 my

naive

understanding because I m not a technologist I don't

begin to be pretend

to understand any of it but my hope is that there will be

a real fundamental

structural change to how we run financial services so

whoever's happy to

start I'm happy to just have a conversation about this to

begin with please

happy to start with that and I while J

am a technologist by trade I am also very much in