When it comes to exploring the interplay between digital money and digital identity, one would be hard-pressed to find someone more knowledgeable than David G.W. Burch. An internationally recognized author, advisor and commentator on digital financial services, David is often a keynote speaker at industry conferences and international events, a featured guest on business and finance television programs, and a regular contributor to prominent financial publications, including Forbes and the Financial Times. In 1986, he helped found consult Hyperion, leading to a decades-long career in technology. Today, David leads the Consultancy 15 megabytes, where he helps advise some of the world's biggest banks, financial services organizations, telcos and IT companies about the future of electronic transactions of all kinds. He is one of the UK payments, Power 10, one of Europe's top 40 people in financial services, and one of the top 100 global fintech influencers for 2021, to name but a few of his many accolades. David has published four books, including The Currency Cold War in 2020, and 2014's Identity Is The New Money, His Seminole and Pressient Work on the Future of Finance. David, thank you for joining

us. So thank you for having me, I was very flattered.