Hello, everyone. This is Narendra Boggarapu and welcome to this presentation on how the cloud technology is revolutionizing open banking, enhancing consumer engagement and providing security in the financial industry. Today, we'll explore the transformative impact of the cloud solutions that are not only driving higher engagement from the customers, but also fortifying the security measures within the dynamic industry. Let's dive into the open banking revolution. Currently, 87 percent of the financial institutions are either implementing or planning open banking initiatives. This shift has led to a remarkable 71 percent increase in the customer engagement and a significant 43 percent decrease in customer acquisition costs, proving that open banking isn't just a trend. It's also reshaping the financial landscape. Cloud technology enables substantial innovation within the financial services. We are seeing 2 billion monthly API calls managed securely between banks and the third parties, facilitating new products and services. This innovation leads to a 56 percent improvement in customer satisfaction and extends financial product access by 34 percent to underserved population. Enhanced financial management through cloud powered open banking has led to a 62 percent rise in the adoption of personal financial management tools. Additionally, there is a 47 percent improvement in financial literacy rates. Coupled with a 38 percent increase in the competition among financial service providers fostering a healthier market trend. In terms of security, open banking under cloud cover offers military grade protection, achieving a 99. 99 percent prevention rate against unauthorized access. Our robust encryption ensure that customer data remains secure. A critical factor in maintaining trust transparency and customer consent are paramount. We are reaching a 91 person customer satisfaction rate regarding the transparency of our consent protocols Compliance with critical regulatory requirements like psd2 is non negotiable Ensuring that customer confidence is never compromised Open banking is breaking down traditional barriers reaching underserved population and enhancing competition This not only fosters innovation, but also improves the customer experience, ensuring services are more integrative and responsive to the customer needs. Let's look at some success stories. A fintech startup used open banking APIs percent growth by offering innovative lending solutions. Similarly, a traditional bank increased its senior customer base by 45 percent through user friendly open banking tools. And a major bank boosted engagement by AI powered financial advisor. However, challenges persist. We address data privacy with advanced encryption and strict access controls. Legacy systems integration is managed through innovative middleware solutions, ensuring seamless connectivity. Moreover, we continuously update our frameworks to meet evolving global regulatory standards. Looking ahead, the integration of AI and blockchain promises enhanced predictive analytics and transaction transparency. Moreover, we are working towards global standardization of APIs, which will facilitate seamless cross border financial services. To conclude, cloud powered open banking is a game changer, driving innovation and enhancing security. and prioritization customer satisfaction. As we move forward, these technologies will continue to shape the future of global financial services. Thank you for attention and I look forward to your questions. Thank you.