 Hi there, I'm Michael Hart from Barclays Innovation. You're going to hear from many different sources how financial services and the nature of money has changed. We're seeing great new startups like Monzo and Transferwise showing old incumbent banks how customers want new services delivered online anytime that are more relevant and more value than what they've previously got from their traditional financial service provider. And so you're going to learn in plain English how the times are changing and that whilst money goes around it's in new formats and new services are being invented all the time which is changing the nature of how people spend money and save money and invest. You're going to cover things as diverse as virtual currencies, traditional and new forms of payment and then you'll cover all the alternative loans and alternative ways of financing and new models for doing that. You'll cover insurance technologies and regulation technologies and cover retail banking in terms of established and new ways of doing retail banking and then I think perhaps the most exciting area is the future of FinTech and covering all those new possibilities that come about with vast amounts of new data, new algorithms and new models of computing. So I welcome you to the program and I think you'll find it very enjoyable.