Welcome to day two of Cyborgs 2019 and what a week we're having already. Welcome to Cyborgs and welcome to London. We are thrilled to have over 11,000 bankers and technologists gathered for more than 150 countries and with over 200 exhibitors and 100 fintechs. And as you know our theme this year is thriving in a hyper connected world. There were some fantastic sessions on day one and the core of many of those conversations was the impact of new technology. We heard how it's changing the world of regulation of payments of the way banks talk to each other and to their customers and we heard how tech is changing our workplaces for the better. For us at Swift it's all about both innovation and risk management. Basically about responsible innovation. Cosmologist Professor Brian Cox challenged our understanding of science to start the day and go to everyone thinking. Understanding what you don't know is as valuable as understanding what you know. And with appetite whetted technology dominated early. KPIs and I though 2002 too were on many people's minds along with the future of payments. We consider this really a very important area for Europe to establish itself in the instant payment space. Instant payment might be a game changer of what we are seeing at the moment in the banking industry. One of this year's themes at Cyborgs is exploring the human side. A priority for many managers at the conference is to make their firms places people actually want to work and feel supported. The most important thing about technology is people. Machines should do the ordinary to enable people to do the extraordinary. I also care a lot about mental health. I see it as a challenge to you know today's companies, families, communities. And there was a word of encouragement for anyone thinking technology might put them out of work completely. I definitely think artificial intelligence and automation will change most jobs. At least half of jobs will be changed in a fundamental way over the next 10 or 20 years because of AI. But I'm an optimist because I don't think jobs are going to disappear. The conference is always innovating. Spotlight is a brand new platform at Cyborgs this year, bringing together financial experts in quickfire presentations on industry trends. I think if you just rewound even a few years at Cyborgs when you would talk about open banking and open APIs, there is still this question of is it a threat or is it an opportunity? It's not just about going beyond banking. It's not just about open banking. It's not about curated banking. It's about curated experiences. Once again, Cyborgs is proving to be a unique networking opportunity. A place where people can arrive with problems and leave with solutions thanks to those new connections. We have to and we will continue to have to develop technologies and mechanisms in partnership with other people that can help us connect one to another. And whether that comes in the form of Fintech partners or comes in the form of clients with whom we work closely to deliver their products and services, these are the keys for us.