 Continuing our discussions on the security of digital financial services here at the 17th Global Symposium for Regulators in Nassau, Bahamas. I am joined now by Ms. Sue Kelsey, who is, we have to get this title right, the Senior Vice President and Group Head of Global Production Management for Mastikot. Thanks so much for talking with us today. You're very welcome. Pretty big title. You are here to speak on several topics at GSR 17. This morning you were part of the panelists that talked about technologies that protect e-transactions and of course we understand why that would be an important topic for Mastikot, but you tell us what was discussed and why it was such a big deal for you to be a part of that panel. Yeah, sure. And thank you. So, you know, I was saying this morning that when people think of Mastikot they think credit cards, but the reality is that we are a payments network and fundamental to our business is safety and security. That is our number one priority. And nowhere is that more relevant than in this space where, you know, typically we tend to be dealing with relatively vulnerable populations. So the way that we go about treating safety and security is ultimately through layers. We put layers of security in place. So the way that I think about this is imagine the transaction passing through several doors. One door it has to pass through several doors. So what are these layers? One layer is all about data and using data. So we can use data to understand if there are any abnormalities or unusual behavior either at the card level, at the customer level or at the country level, but then on top of that we apply some very simple and easy to use solutions which are really beneficial in these audiences. So things like biometrics. You know, as an industry, we are moving away from security of things that you know, like pins and passwords, and moving to more about what you are. So fingerprints, voice, facial recognition. And that can be very helpful because just imagine the number of passwords you have to remember for your own use. It can be quite complicated. So we're trying to simplify all of that and use things like biometrics instead. You talk about this layer of security but Mastercard just made an announcement recently a few months ago that you want to speed up the transaction process. Now it must be important to keep, how do you, a challenge to keep the safety and security aspect of it through all of those layers while speeding up the process? Yes, you know, and real-time authentication is key to that. So what do I mean by that? I mean, applying these layers and having them happen at the time of interaction. So by using something like a fingerprint, that is real-time authentication. And so that allows us to move fast but also with the safety that we absolutely need for the network. Now of course Mastercard is no stranger to safety and security. It seems like you have it all downpacked. But talk about the benefit of being at this type of symposium and learning from other organizations. Yeah, you know, it's such a good point because nothing happens in isolation. This is all about partnership and collaboration. And it's great to see the private sector, the public sector all really sort of getting in a room and trying to co-solve a lot of the problems that we have. So one of the big themes that came out this morning was about that collaboration. We talked about how interoperability is absolutely crucial for success, not just from the end-users perspective because that makes it easier for them. But because ultimately we need to be all sort of be able, we need to be moving together as one industry to help solve these problems. So I would say collaboration was a definite theme that's come out. Interoperability to create the scale and to create the consistency in how we move forwards. Great, and I think this is a great point to transition to the next topic that I want to talk about, talking about collaboration. You're also going to speak on Universal Financial Access 2020. You're kicking off date two with that discussion. What is that? Yeah, so we have a specific group of us who are working as a specific working group about how do we really achieve the inclusion, the digital financial inclusion at scale. And so Universal Financial Access 2020 through the World Bank and Mastercard has committed to helping to drive the inclusion of 500 million unbanked into the financial system by 2020. That is our commitment to the World Bank. And we are pleased to be on that journey with many of the partners in the working group that we'll be talking to tomorrow. So we'll be talking about new ideas and projects that we can work on together in order to sort of step change the growth. And I just want to end on a little fun note. Tell us about being able to be a part of this symposium in the Bahamas. Oh, well, I can tell you that it's freezing inside and really hot outside. But yeah, no better place for us to be able to take a moment and really reflect on the job that's ahead of us. But the palm trees certainly help. Thanks so much for joining us. Ms. Sue Kelsey of Mastercard telling us a little bit about the protection of Digital Financial Services and Universal Financial Access 2020. Thanks so much.