 Hello all. My name is Hedi. I'm CEO and co-founder of Cache. We are building an ecosystem of service to enable platform economy lifestyle and we do that by building flexible and very personalized insurance and other financial services. Before I go into more details my experience says that probably only around one third, maximum, of people know what platform economy and who is a platform worker. So platform worker is a person that earns their income via getting tasks or kicks from digital platform or shares their assets in order to earn income the same way. So this is whom we have taken in as a target. So Cache was founded by me and my co-founder Kalle Pelling 2018. 2018 is actually a very important year when it comes to platform economy and future of work because during that year GDPR was actually enforced. Also there was a very important regulation for companies like Uber or Bolt or others it was called Info Society Services Act and that was first brought out also in Estonia but now multiple countries in the EU are using it. And the third really important kind of foundation was that actually Bitcoin peaked the first time. So why is this one important? It was the kind of first larger service on decentralized kind of ledger which is gonna be the very very important in the future of different services financial services. So when we started our startup we didn't have any money but we wanted to work with the best people out there. So what we did we found who is the best in legal who is the best in finance and everything. So we went around and asked for people can you help us a bit and what we found out a everybody had their own small entity and be everybody were willing to do extra hours. So we understood that no one is unreachable. So what we realized from that was that actually they were all gig workers. So we started from building very good and flexible insurance solutions for ride hailers. So Uber drivers, Bolt drivers that work very very differently than often the regular taxi drivers. And soon we understood with that experience that we actually are not going to only build our solution and insurance for them but we're gonna build the insurance for the future workers. So literally we could say Uber drivers are building the way for the future of work. So let's let's take it into a numbers. Today or actually last year there was 28 million people that earned their income via platforms according to European Commission. And this was one in 10 person work each person in already few years time it's predicted to be one in five. So what is driving them quite a fast growth is actually four thing. There is a massive generation shift happening in the workforce in 2025 75% of the people will be millennia generation and younger who is in active workforce. There's a well we all experienced COVID and the work from home. People love it but I'm ex-banker so I understood quite quickly how large corporations are thinking. They find it as a good way to actually build additional efficiency into their workforce. And today this is happening so there in the boardrooms there is a lot of discussions if now the more flexible workers should be handled by HR or actually procurement because lots and lots of the corporations are pushing their kind of fieldwork or other into more flexible means of employment. The third is obviously UN sustainability goals which are the drivers for the sharing economy. Every city in the world has a goal to reduce the carbon footprint. So the sharing assets bringing in micro-mobility and so on and forth. And as earlier mentioned with a Bitcoin the overall massive shift that's going to happen in our web infrastructure. So in some years time we will all experience much more personalized and much much different experience in the web and via that providing services. But the industry is today at the crossroads because this way of working is not really sustainable because the majority about different benefits like insurance or or financial services like financing or home loans and then many others. So why is that? One of the core problem is that platform workers are not loyal. They choose the way of working because that allows them to work whenever they want wherever they want how long they want and to whoever they want. So which means that if we take let's say example ride-hailing drivers if they start to work they work for Uber for all off or free now depends on who is active in the market to maximize their income from this certain hour. And this means that the data is completely scattered and it's super hard for financial banks and insurance companies to understand the risks and how really the profile comes together. And this has caused that they have to pay for lots of services will actually they're not using them. But I wouldn't be standing on the slush stage if you wouldn't have a solution. So what we have built at Kache is that we have provided different technology to enable bringing the data together to one place around a person. So we have connected with multiple different platforms build multiple different technologies to get in the data that is today missing from the insurance companies or from banks or others. And by that we are providing it the kind of services much more flexible and much more personalized. So let's dig a bit deeper. So how are we doing it? So we are selling both to the directly to the end customer which could be then the Uber driver or delivery career or many others. But and we are also selling directly to different platforms depends on the area like let's say platform that like Fresca in Finland who they are not our customer but but alike. So who bring together let's say cleaners or gardeners or car washers you name it there are multiple. And we have built different technologies which which are completely unique to for example in case of mobility we are helping to do parking or booking or many other things to to get the data that is missing or aggregate the data from many many platforms. In case of let's say couriers one of the core problem there is is that if if a person works for vault they they are let's say insured by vault but the same time they do some other task kicks also for vault or delivery. So the insurance often overlaps so one company has to pay for someone else's deliveries let's say. And this is some of the problem that is easy to cause with actually building kind of platform in between like cashier who brings the data to get around the person which is why I'm talking a lot about the decentralized world. And why are that everybody actually wins. Plus if you talk about the cleaning shops and many others what is the core problem today is like to make sure that okay when one task started and when one task ended. And this allows us to for example provide insurance that we don't have to give a platform based on the number of people they have signed up. So a young startup like let's say platform who builds a product for cleaners on boards thousand cleaning ladies and guys but let's say out of those only 300 are working. And this is the problem. The insurance company often requires them to ensure them all but what we are helping them to do is to ensure only the tasks and lots. So many different ways to do that. But what I want to have you kind of remembered about cashier is that we are finding different technologies and different kind of data streams to make it flexible. So today we are live in three markets where we sell directly and basically all Europe where we sell indirectly. And we have many customers and many platforms who are super happy with our services. So our CSAT is continuously from the day of launch being around 85 to 90 percent. And NPS is I don't know how many of you know about insurance NPS but NPS has been it's one of the highest. So I'm very happy to summarize to say platform economy is here to stay. It's going to be the future. There's very many people already working this way. The goal of the future of work will be to kind of allow people to work in multiple places and have more flexibility. And we need to not build services that take us back to the kind of old century but build services that help take us to the future. And this is what we do at cashier. So thank you very much.