Cyber, AI, and identity: Elevating secure digital banking journeys [12:29-15:01]

be verified without increasing data exposure at the end of the day. Another area that we think about the final kind of area we think about here that's really informing our product strategy is resiliency is built when trust and fraud prevention and experience converge together. Fraud, outages, and third-party failures exposed weakness is across digital identity estates. And fragmented IAM creates blind spots that undermine resiliency and customer confidence. And so a unified identity fabric enables consistent enforcement and visibility and recovery across all channels. So for paying with all of that in mind, these major drivers and macro trends, the way we're approaching this with our solutions is to enable continuous identity-loaded trust across onboarding, transacting, servicing, and delegation even as scale and complex the increase. Our converged IAM platform decouples trust decisions from applications and that enables banks to adapt quickly without weakening controls. We turn delegation from a risk into a strategic capability enabling secure collaboration while preserving accountability at scale. And then also we've introduced recently zero knowledge biometrics which delivers high assurance identity verification without storing retrievable biometric data, strengthening trust without adding privacy risk. We provide enterprise-grade resilience by unifying identity, fraud signals, authorization, and governance allowing banks to scale securely and confidently. Thank you Peter for highlighting the importance of continuous trust and how it shapes the identity fabric of an enterprise. It's a perfect segue into fraud and for that I would like to start with Sathish. So Sathish as banks face increasingly sophisticated threats from deep fakes and fishing to evolving digital fraud as you mentioned in your previous segment, what holistic strategies can executives deploy to safeguard customer identities, protect payments, and maintain trust while minimizing adding friction to the banking experience. Sure just a few key points on what you mentioned right. There is a holistic strategy, there is those single, silver bullet or one approach that works for all. And again it's minimizing adding that friction you have to have some of that friction in there to protect your customers. So with that I'm going to lay out a few real practical