Hello, everybody. My name is Ray Dogum. I am the co-chair for the health care special interest group for hyper ledger foundation Today is November 23rd. We'll be doing our general meeting and we'll be discussing some of the Updates in the industry. We've seen in the last couple weeks Before we get started there. This is being recorded and shared on YouTube So if anyone wants to share anything just be aware of that You can find the actually let me share my screen here as well. So you can see the agenda Hope you guys can see my screen here. So like I said, this is being recorded. You can find the hyper ledger and I trust Policy here and this is a public page Just to get started are there any announcements that anyone would like to share here from the community about The special interest group health care blockchain any personal news? Okay Just as a reminder There are tons of different communities in the blockchain and health care space. There are other groups you can join here as well and I'm not going to get through talk about all them here right now, but just wanted you to be aware of that and In terms of upcoming events, there's two that I've highlighted here, but I'm sure there's plenty more First one is the blockchain expo global and This is happening This will be on December 1st to the 2nd and it's in London pretty big names supported here And should be interesting for anyone in the blockchain space. I know hyper ledger is involved as well So if you're in London or interested in this event check it out There's also an event on patient experience experience, which I thought was pretty interesting happening in December as well December 5th and 6th in California. It's about You know how to innovate for patient experience some pretty big names from health systems here as well, so Could be an interesting event for some of you all and right. This is Wendy In a bot in I don't know how to say I I typed the acronym incorrectly in the chat It's I and ATBA. They're hosting digital blockchain week this week It's mostly a European organization and I am speaking on a panel on Actually Thanksgiving Day at 2 o'clock in the morning for yeah That's true True dedication I'm speaking on a panel about privacy versus compliance conundrum with blockchains Which I am happy to share that I'm happy to emphasize a voice of reason so But that's it's it's it's free. It's a great organization about advancing blockchain So it for these sessions that would be more tolerable for a US audience. I definitely encourage you to participate Wendy thanks for sharing that I appreciate that and we can put the I'll make sure to put the link in the Either the YouTube or here in the agenda page as well great Yeah, the theme of the conference is the future of blockchain and they are approaching it from many different industries Sounds great. Thanks for sharing that. Oh, right any other news or anything anyone wants to share, okay So as you can see from my background today, there's a lot of chaos in the Blockchain world especially with FTX and all that we'll be talking about that but that article one of the articles about FTX here in the agenda today But before we get to that, I just wanted to you know talk about some other things going on first number one is hyper ledger has approved a new project called hyper ledger cactus and The tech steering committee approved that Recently I think Or sorry, it's been renamed to cacti. That's the announcement Because they're adding basu to they're adding another one to it's cactus plus Yeah, I think they combined this so the community has merged two systems architectures as well as code bases to create a new project hyper ledger cacti And it's a multifaceted interoperability platform that draws on the cutting-edge technical features of Cactus and weaver a hyper ledger lab So that that was interesting. I think I put the incorrect link here So I'm gonna make a quick adjustment to that so people don't get confused There was a workshop on it about a week ago on how to use it with it. I think it was a code along with it Yes, that's probably in the recordings Most likely, yeah Thanks Elizabeth appreciate that so That's one. I wanted to also anyone have any specific information on that merger or any Are they as anyone here working on that? They want to share anything about it I'm just curious. What is it? So apparently it's an interoperability Layer or platform so It's a pluggable framework to link networks built on how to heterogeneous Distributed ledger and blockchain tech and to run transaction spending multiple networks Okay Yeah, so there's a lot more information in this article as well Pretty detailed and I know that there's a you know group that's specifically focused on this They probably have more that they can share and if you need help getting in touch with them Let me know You try to make a connection Moving on to the next article here that I found that was interesting related to health care typically how We as patients get in touch with providers and doctors and There's this trend where messaging or sending an email to provider is starting to cost money for patients and I think Cleveland Clinic here is one of the first health systems To start charging some messages that patients send to the provider So, you know here it's saying it's either a cash grab or a logical business decision to compensate Physicians for their time and I feel like this is a kind of a complex issue and it's interesting to see you know that Even with all this technology and AI and the ability to You know make these systems more efficient, I would think with technology You know, we're still Nickel and diming patients, maybe I would say for messages Even as much as $50 per message, which isn't really nickel and diming. That's a pretty hefty cost for a message And I would just think about how can blockchain or or crypto or distributed ledger technology? You know make a difference with this But you know, what's ridiculous is that the The communication from patients through a patient portal is so much more cost-effective than when patients call Patients have to communicate with their physicians And that's part of the patient relationship and it's considered part of the cost of doing business So it this this makes me think that it's as ridiculous, you know as When banks charge, you know, three dollars for using the ATM But they don't charge when you go in and use the time of a person and it's I just hope that this doesn't become excessive because when we think of patients who Have a lot of financial limitations. We don't want them to stop communicating with their doctors because they would be charged for it Now I agree completely and this they're saying here, you know The range could be 50 to 100 six dollars per message additionally It's a this person from medica said that we don't believe charging for electronic messages or messaging will deter Patients seeking care. I disagree. I think the lot of patients will just kind of avoid the question especially if they have to pay these fees so It's a trend that it's not, you know, Cleveland Clinic isn't the only one. I think this is going to become This is Wendy again, this bothers me too because I regularly use the patient portal to communicate with my doctors I ask for medication refills. I ask for I Ask if they would fill out forms and The doctors have been wonderful. I can't imagine being charged for do Reaching out to them Yeah, I hope it doesn't pick up either. I mean here it says Those who support the clinics by the way, the clinic is just a Reference to the Cleveland Clinic They're moved to bill for some my chart messages said it wasn't realistic to expect healthcare workers to answer complicated questions So there's gonna Be some challenges here, I'm sure from patients Well, it'll be interesting to see what the payers positions might become, you know that the using the banking Example, I mean your airlines is being a better example where they push you to the chatbots and whatnot You know make you wait and forever to talk to a person or Answer your question pretty quickly for free in a chatbot. So if you link this to the telehealth kind of reimbursement model the Like the payers could fix this, you know, they say This is true. I mean, it's it's if it if it hits a cost reduction Avenue they ought to pick it up and they probably would That's an interesting point too, but I think it's reasonable, you know, at some point if you're calling if you're asking Questions looking for, you know diagnosis of sorts. I mean, you're you're really consuming health care So somebody should pay for some of it, you know Renewing a prescription may be a different thing but you know, I'm calling in asking about my Hip pain or something, you know, that's That's there the alternative is actually go in which case there's a billable visit which is hundreds of dollars What's the difference? Agreed. Yeah, there's it's gonna be interesting to see how this unfolds I think the difference though is there's already a baseline cost to that It wasn't given as free to start. This is an added fee on top of if i'm reading correct I think that's the difference. It's kind of like if you go into the Hospital and then like, yeah, we're gonna start charging you 50 50 bucks for parking and 10 dollars an hour to sit in the waiting room It's it's layering costs on rather than consolidating and and putting the costs in a transparent and reasonable way these Anytime you're doing message costs. That's that's an easily hidden tough to weigh costs that they're they're Slipping into right and I think it speaks to the the the larger pathology using that loaded term Is that the providers are really in dire margins squeeze that they've got to generate They've got a lower cost or increased revenues one way or another Just to be solving The providers are the provider orcs Well, both. I mean providers are generally under pretty severe margin squeeze right now.  That's kind of a Silly distinction. They still have to get a return on invested capital And they're not getting it right now, you know that for a variety of reasons You could say that they're just they're bloated and they spend too much money Um, yeah, maybe but you know at normal business in a condition like that is looking for new revenue sources and and will Exact them wherever it can Yeah, um It's a good point. We have to look at the other side and organizations health systems Are tight on cash. So this is like their You know way of trying to increase funding and says here They'll begin billing patients insurance for messages that require five minutes or more of the provider's time to answer. So Well, but but you can look at their business model and it's it's grown to heavily administrative heavy so cutting costs at the administrative level is probably a Long term viable solution rather than short term picking the pocket of the patients who in this case are just Getting shoved out the door if they don't have that money or shoved out the virtual door It's it's you're right. It's a business model, but it's it's kind of a It's kind of an extension of of a crap Anti-patient business model that healthcare in the u.s. Already has and it's just making it worse rather than moving it in a better direction And those they might be losing money, but they're losing money At large scale where they're spending a lot of money and that that expenditure for administrators has gone up Considerably universities are the same.  There's been a growth in support structure rather than execution of what they're doing And that's probably a better place to look for those cost savings from a long-term viability standpoint I I think this is ill advised in the current environment, but it's also It's also pushing people towards the brink of Wanting something work into web 3 which is good for this community. I suppose. Yeah. Yep. Yeah, I wasn't defending it I'm just saying it's entirely rational Yeah, that what they're doing Because the only the only use I can see for a patient portal is correcting your record so If you did get into your patient portal and we're able to see your record and you saw mistakes Then you could go back and and correct it, but They should pay you for doing that and With blockchain they can because that's when you you're curating your own record and you're adding data to it That you believe is important And then what you if you're going to add data to your record including what you ate what you You're exercised your meditation all the things that you do You can really make that record valuable And then it belongs it then it would exist in a patient portal that The doctor can see and then they should pay you for that information. What do you think about that? Well, that's a whole different can of worms the patient generated information or certainly patients modifying their health record is Brings all kinds of other problems As to the integrity of that data, you know, you block chains and cryptography and all that play a really interesting role But we're you know, we're nowhere near that yet So the idea that you can get online and start Mocking around with your own record is probably not a good idea and doctors really Whatever they might say or what are the ads might say aren't that keen to have more information about you really they're they're they're pretty spent on the time that they're able to spend and You know, they they come in they've got eight minutes per patient to look at your official record and that's about all they're gonna look at That's why the standard of care is so low. Yep I don't see why it's a different can of worms as you say I think that even if a patient asks a question that's providing data about what's important to the patient so Yeah I mean It's that the the whole topic of patient generated information wearables, etc. Etc is a whole nother we could spend two hours on that one You know and how How trusted that information can be whether payment decisions whether treatment decisions can be based upon Um information that's coming from wherever introduces other complications Yeah, I'm sure and I can solve this today. I'm gonna move on I know this is a good discussion and if anyone on youtube listening has any ideas on what they think Please share. Please make a comment. Happy to respond. Uh, this is from digital salutem. It's a Blockchain technology a guide for healthcare leaders. It's published fairly recently remember 14th and They do a pretty good job kind of outlining what blockchain could do for healthcare And also what it can't do too I'm not going to get into too much details here, but a lot of these things, you know, how blockchain is changing healthcare talking about um revolutionizing the way healthcare is delivered By using a digital ledger you can track each patient's interactions with healthcare Providers and blockchain could reduce fraudulent practices and help keep track of patient data So things I think that you know, we're pretty familiar with as concepts Um, but maybe healthcare leaders might not understand it totally yet So this is a good guide for anyone who sort of getting to the space pretty new Uh, and you know, I like that they have some drawbacks of using it and talk about how Transaction speed is too too low um But you know, there's a lot more that could be expanded on this article Either way it's useful. It's a good start and um Yeah, I just want to leave it here for anyone's interest uh, the next one here is from scientific american Talking about how crisper for personalized cancer treatment is actually it's becoming really efficient and I don't know if that means affordable, but it means efficient and um You know, there's actually many trials small clinical trials shown researchers can use crisper Gene editing to alter immune cells so that they will recognize Mutated protein specific to a person's tumors. This is a very personalized medicine. We're talking about here I think this is interesting because the future is Of healthcare it is more personalized care. Um, and You know, how do we deliver that? Or what's the infrastructure that allows us to deliver that effectively? Really to be determined still but I think you know crisper is definitely one of the Biomedical treatments now that's you know gaining traction in humans uh, so Part of the reason that it's so complicated Is that there's just a really complicated Manufacturing process because once you get your sample from the individual human You need to you know decipher that gene and take it and then Build the therapy based on that individual so It takes a lot of time to to do that in the lab I just think that you know, we're starting to see these really novel medicines take take hold and Now i'm curious what you guys have Any thoughts on this or any opinions on how Maybe blockchain can help You know, um I guess what I want to say is target Individuals better and make the think make the process more efficient Again pretty early. I don't really have any great ideas for this yet, but there's supply chain You know components that could be improved. I'm sure With but three Well, I think you know if you get to the point where this is more mature that seems in the extremely early stage Is this is one small trial with only 16 people? but if if they if they do prove safety and Prove value in this and expand it. There's probably a number of different factors genetic epigenetic Other things that that may contribute to any given tumor type and the more you can have available those details About a wide array of patients The better you can start to zero in on which factors are contributing and so I think you know probably similar to other looks at how a blockchain may be able to Help enable better data access for cancer research this the this fits in there. I don't think it's a A different type of use that has been discussed in a lot of different places and and and is starting to be Tried in different places, but I think this intersects with a lot of the the cancer and overall genetics screening applications that that have been Around for blockchain, but haven't really been matured yet and are still as far as I know largely in pilot I mean you need a large network to make it of value getting that large network connected to a system that hasn't been fully set up and and Matured yet is still something that's that's ongoing and in different places But I think I think this fits into that overall category But more on the treatment end of the diagnosis and perhaps Thanks, Shawn. Appreciate that All right, the next articles from the Atlantic, but I know that there's many different articles and publications on what's going on with ftx which was was one of the largest crypto exchanges in the world now it's bankrupt and there's a lot of scandal and issues with the the founder sam bankman freight um It's pretty interesting to see how connected he was in the political space as well as you know the vc space and how many people and organizations sort of missed Missed all the red flags and I know some people did raise red flags early on You know, I think elan musk said he His uh bullshit meter was on was on fire or something like that when he was talking to sam So there's a lot of controversy around this How do you guys think it's gonna affect? The overall and it's already affected markets, but how is it gonna affect the adoption or the trust? people May or may not have had about web 3 and blockchain in general Yeah, and it looks like you know, you know billions of dollars are basically missing and we still this is still unraveling the story here so there's a lot a lot of speculation going on I don't know we had an interesting dialogue on this yesterday internally Sean that I don't know whether we had a consensus, but if there was one it's the crypto and blockchain and web 3 even for that matter aren't the same issue and Don't have the same challenges and problems though. They're linked particularly investors minds So yeah, it's it's somewhat catastrophic to the You know the risk capital side of the story what's going on here The technology is it's almost irrelevant. You know, what's happened was with crypto and decentralized ledgers, but you know breaking Uncoupling that in people's minds is a new challenge we've got certainly it'll take some time for people to trust the Um The ecosystem once again And and and Doug's right. There's you know, there's there's kind of layers to this I don't think it's a new challenge though I mean in 2016 and 2017 when I was still working for department of defense and then after I left and was was invited even more to to brief uh individuals in dod on on Blockchain and you know crypto is something I mentioned but didn't really focus on There was a Higher than the average public familiarity with cryptocurrency there because they had dealt with it as a means of routing and cleaning terrorist funds and so they viewed they viewed cryptocurrency as like a tool of the enemy And I had to deal with that peeling apart Yes, there were there were money laundering that happens with You know crypto just as it happens with car washes, but it is the case that the technology itself Underlies a number of uses both into the financial realm and and elsewhere and that that's been an ongoing dialogue I think I think that it it resurfaces when stuff like this happens And of course, you know, this isn't the first time and it won't be the last time You know from mount gox to to other things these are these are going to Put a put a mark on you know people's comfort and trust level on another level. This is this is I mean, if you look at the scandal From what you said ray from the political aspect, I mean this dude bought off politicians and media with huge amounts of money This is this is old school manipulation of the legacy banking system that's now being executed by Those who are making money off of crypto and so perhaps this is you know Not not the first person you want at the table, but cryptos arrived at the table with regard to how much it can influence society not just in the Corners where people are paying attention to it, but in you know, moving elections and moving Public opinion behind the scenes the way has always been done by banking and every other legacy industry So I think I think it's uh, it's a it's a minor setback In the short term, but it's it's another broader advance into society in the long term Well, I hope it's minor, but I'm afraid it's not I'm afraid that the ill winds that it blows you added the Political one. I hadn't really thought much about but related to that Is the I would anticipate that we're going to see more regulatory action now You know the last thing anybody really wants right now is more regulatory friction, but Public and the politicians will cry out for it. What I was most concerned about what I mentioned initially was the You know the the investor community is very fickle and very risk averse by their nature and I think it's going to put a he's going to put a real damper on Anything that looks like smells like blockchain Unfortunately, at least to the extent that we can't uncouple those in people's minds Did you say investors are risk averse? Yes Extremely risk averse. It's that that's their business. There's picking out they've got Eight projects, you know If they've got 80 projects they can fund one or two and the the Primary sieve they use is their perception of risk and you can go to you know, lean canvas kind of techniques to assess that but that's By and large, that's what they're about is all of their projects are high risk It's it's a matter of picking the least of the high risk programs to fund Okay, this just adds more just another You know another filter that we're going to have to wade our way through Yeah Go ahead. What I believe is happening is that It's a shift towards asset backed cryptocurrencies So if a cryptocurrency is anything that's hashed or encrypted then It would be the tokens that are asset backed carbon housing, you know real estate or Maybe even medical data And so this shift I think is in the right direction because the whole problem with that btx was that this There was not there. There was no backing There was there was no fdic. There was nothing to back up the currency But when there is you can find people are still trading The carbon market's still hot real estate's gaining ground And I think that they're just going to ignore This the scandal because it's all the scandal was more about You know backing it up with something that's real instead of just the hype That that sam was using over I mean you're right Yeah, I mean one component for sure impressions I get from folks I've talked to is No, it's just it's just another It's another Slide in the deck that's going to have to be compelling You know, it's just another reason to defer to disqualify. I mean investors are it's like beauty contest You're not really looking for the The prettiest thing you're looking for flaws that you can discount disqualify Others and this just gives us, you know another Another pitfall Yeah, two things I want to point out about this as well is one. I think this might also encourage people to Be more suspicious of exchanges like you said Doug and others And then move there any funds that they have into their own personal custody self custody Either a hardware wallet or something like that. And I think that's a educational learning point for the Industry as well, you know for people who still have their coins Or you know ether ether bitcoin on my coin base or something or Gemini they might Think twice and say maybe I should get a ledger wallet or something to to move my funds out of an exchange because You know, that's one thing and the other point is now there's an effort to show proof of reserves as a As a way to prove that you do have the assets that are backing what you say you have Um, so these exchanges are some of them are working on that. I think some of them are Deciding not to share proof of reserves, which is obviously pretty suspicious um And the other thing to mention here is about the political side of this Sam Begman Fried was the second largest donor to the biden campaign. So there's a lot of You know things we still don't know about this whole case. So it'll be interesting to see how Connected or how important, you know, his father and also I know that some of his other co-founders or employees Are also connected to Um, I know mit to some degree and also some other political affiliations I'm sure you can get into a lot of the juice online. I'm not going to get into all of it now, but there's A lot to dig in here. We'll probably talk about it in our next meeting as well to some degree Any new findings? Probably because are we going to need accountants and attorneys in the future? I you know, just how heavily regulated is blockchain going to become that's the Where I got to keep an eye on Yeah, I mean it also points to the fact that the system Can be Gamed, I mean, you know, they game the system really Obviously it was fraud and um, you know, it's not going to work out well for them, but They got away with it for a while. Obviously not forever, but Still there's a lot of improvement to to do in the regulatory side going back to my earlier point That's where I'm saying this is a huge advance for the crypto world because if you think about it They're playing in the big leagues now. I mean this guy was being looked at He was hanging out with the sec and being looked at as being an advisor to the sec So they were always going to regulate and the question is who was going to be the regulator And this this guy was going to be the regulator because he, you know, put a A pittance of what that company was worth in the in the right pockets. And so he they didn't expect Crypto to come in and play at that level and yet he got on to the main stage without much Trouble at all. Now it all blew up and that's usually the way these things go but what kind of damage is done in the in the short term from a Ethical integrity of the of the regulatory environment Everything's going to get regulated if it's if it gets big enough The question is is it regulated in a transparent way and can the can the blockchain technology underlying some of these things provide More transparency and regulation well self self policing from Regulatory standpoint providing transparency could be one thing this industry does as it matures That other industries aren't able to do and that might be able to set the standards. So, you know, obviously we're not Able to point the direction of everybody and there's always going to be people and probably still are people who are trying to pull Huge scams, but at the same time the more Transparency that can be brought to bear and I think it was Elizabeth who said really looking at focusing on those tokens that have An asset backing and I like the the the thought of of medical and health data and health related data being one of those that's where steady advance and in the proper direction, I think can be made so there's there's There's a lot of drama here, but it's It's it's another step in the maturation of the whole entire industry Yeah, I agree. We shouldn't look at regulation as a enemy from in blockchain. It's actually a Something that we can benefit from if we do it in a transparent way and So for example, if somebody's healthcare data turns out to be an error And then there should be some kind of a consequence for that such as well that person's wallet is no longer You know You know the the data so the reputation so there's got to be some stake in it. So a person has A stake in their own data Being correct their healthcare data being correct, whatever they've put on the blockchain Then you could pull that stake and then they lose and they're no longer in the game and that's one way to Make sure that we have integrity on the blockchain Yeah, and I feel like there's a lot of experiments out there now trying to figure out what is that What is the crypto economics or incentives behind that staking mechanism for for health data, for example And then there's plenty of other types of data carbon credits. There's so many Ways that data is becoming It's self valuable. So We'll see. We'll see how this goes. Thanks for sharing all your thoughts guys. Appreciate that The next article I have here thought it was interesting worth mentioning It's an exclusive from Reuters A week ago. Yeah Russian software disguised as American files pain to US Army and CT pretty concerning. I thought And Specifically, there's thousands of smartphone applications and Apple and Google That contain computer code developed by a technology called push-wush That presents itself as based in the US, but it's actually Russian The CDC Has said it has been deceived had been deceived into believing push-wush was based in the US Capitol After learning about its Russian roots from Reuters, it removed push-wush software from seven public-facing apps So there were at least seven public-facing apps um from the CDC That potentially contained code from Russian I don't want to say hackers, but some sort of Russian um software That's concerning um And according to company documents publicly filed in Russia push-wush is headquartered in in the Siberian town of Novosibirsk Where it's registered as a software company That carries out data processing has 40 employees And about 2.4 million dollars in revenue last year um So it's registered in Russia And I think I read that the push-wush Organization says it does not yet. It does not collect sensitive information And Reuters found no evidence push-wush mishandled users data um However So Russian authorities however have compelled local companies to hand over user data to domestic security agencies So the Russian government still has I think it sounds like they have the right to request data from these companies which in result is um You know, they deliver data of u.s citizens in that way so Thought it was interesting. I don't know if anyone's heard of this or has been affected by this in any way if they're involved with the cdc um You know, it's not just the cdc in u.s. Army. There's companies like unilever the union for european football association nufa The nra as well. So there's If this is truly a You know Backdoor code Russian situation hacking situation. It's going to be affecting a lot of different organizations It's been embedded in almost 8 000 apps like I mentioned so another another case of data security and privacy Any any thoughts or Has anyone heard about this? Okay, well Now you're aware of this i'll move on and the best company in the world according to a16z is Will be a tele a consumer health tech company I thought this was interesting to talk about why it would be a health tech company and I think we've Already accepted that or acknowledged that this century or this decade will be the year of health tech and biotech and We're really seeing that and I think you know, it's interesting to Get that validation here as well by a16z saying that you know health tech is a big deal, especially for the consumer side So yeah, I just wanted to point this one out. I thought it was an interesting report short report Yeah, so the most exciting thing about consumer health care is the amount of white space We'd go so far as to say there is infinite room to improve consumer experience in health care And build massive companies as a result. I agree. I feel like With all that's out there now and we're still kind of early in the In the patient experience improvement Strategies We've outlined two paths to building consumer health care A consumer health care giant one that's vertically integrated and one that's a horizontal play That said numerous health care companies will be built in both models As mentioned the american health care industry is five times the size of the global Advertising industry which makes up most of gaffa's revenue so Yeah, it'll be interesting to see how How right they are. I think they're right but any any thoughts Okay, well, it's a small world. I mean, there's we're having the same conversations in a number of places We chewed this one up pretty good yesterday as well and it's it's it's got some really interesting points in it um I think the overall thesis though is not that the you know the Antitrust fair trade practice laws just will not allow the vertical it even be considered Even the horizontal will have lots of problems just by their conclusion, you know that It's five times as big as advertising and it doesn't and advertising doesn't as directly effect Health I mean human lives It affects, you know, the antitrust laws are there to protect market You protect markets against abusive or inordinate market power So the idea You just look at real time the epic is being hectored by Our uhg rather i'm sorry uhg is being hectored by doj to just acquire one more company So the idea that uhg could get much bigger than it already is is already under question so the the idea that the that somebody is going to Get anywhere near oligopolistic let alone monopolistic power in the sectors just not gonna happen um, I think the what I took away from the article though was that the The opportunities for horizontal It's in solidation and expansion Are very interesting You know someone like I don't know it's probably not like a microsoft or an ibm But somebody that that plays within a particular strata and does a very good job at it could Could really get bigger faster But the vertical power of let's you know say epic or apple or somebody Subsuming big chunks of health care isn't gonna happen Yeah, no I agreed good points Thanks, Doug Yeah, I mean they know they talk a lot about here Um What they would have to do to be successful These companies would have the ability to you know Plug into the complex health care industry sure And work equally well if the consumer health or employer health plan commercial plan or government is covering the bill So that's a really complicated part of this too, right the whole payments idea Issue they're saying visa is the go-to choice because all merchants accept it consumers choose amazon Because they sell about just about everything. So I just think it's interesting to compare You know the visa of health care What is the visa of health care now? We don't really have one, right? It's You know what they didn't say which I thought would might be in a different Hypothesis is that cms itself or we could move toward a more national health plan and the government could get bigger itself Which is the age old argument, you know that The left versus the right, you know is is health care business or is it a you know something else? um But they didn't really they didn't take that one Well, you know to your point and also back to Sean's point originally is if they did do that Let's say cms and we had a national payer Will it be a transparent system, right? We'll be be able to see all the transactions that are going on and if so, that's that's great I think that's what you know, we'd want to to have So people can be held accountable We'll see Any other thoughts on this article? Well, I The idea of what's the visa for health care? I think what's interesting is you know the distinction you hear Frequently from a lot of different folks is you know health care and health. We we don't have a A unified market for health in the u.s. We have we have a health care market and as fractured as it is It's you know making lots of money and a lot of money goes through it, but that's that's not It's it's more from from uh just transactional what i'm buying and selling and being marketed That's more Like a disaster relief than it is a day-to-day transactions I you know I do my shopping at the store or on amazon or this but the the health part of health is Largely uncaptured there. It's the health care part when someone gets sick a little bit of maintenance has worked into that but because we only have An economy set up around the the the endpoint when there's a problem It's a very it's a very big and very dynamic and very messy But very skewed and only partial economy I think I think the the health economy is potentially Much much much bigger even than they're realizing and maybe they maybe they kind of sense it and just haven't articulated it here and I think being able to motivate incentivize capture guide help people towards health Separate or you know pre that health care portion is where the the biggest gold mine is and I think that from You know blockchain standpoint. There's a lot of value the technology brings to fractionalizing costs incentivizing things and also being a distributed and immutable ledger for What has happened and you know we talked earlier about self-recorded data from patients. Well, if it's not me reading off of some sort of device, but instead that device feeding information or making available information that can be validated through Some sort of blockchain mechanism that that brings a huge level of value to social determinants data to non health but health related data and I think that's where a lot of a lot of this this huge um Future market if you will is I I think it's barely been barely been tapped into from the health aspect But the health care aspect obviously can have a lot of improvement as well That was a little bit rambling, but I'm just sort of seeing this as really just the tip of the iceberg I think it's a great point the flipping back though the what you're suggesting would take a huge paradigm shift at least in america and in other places That the focus isn't just upon health care It's it's even more on payments, you know who's good in other words What care is provided is somewhat less of a concern to the system as a whole as to who pays for it how it gets paid for and the you know the issue of Shifting that further away from consumers or or not moving back toward patients themselves is you know, it's not Unfortunately, not the trend line we're on so as if you're if you're trying to move them the Center gravity toward health versus health care that means patients themselves have to be a lot more involved Not a lot less involved. So right now they're not very involved.  So We're not moving in the right direction um for what you're suggesting, but I think It's it's a it's a matter of framing and incentivization. I mean the the nfl is uh Is a five, you know, the all the nfl teams are worth five billion dollars or somewhere in that neighborhood It's a series of groups that have been playing a game for entertainment for close to a century now Fantasy football, which only is really off paper, you know in the past 20 years Become something has has four times that value So we went from having a very popular sport that has a huge amount of value what they've created But then people found a different way of incentivizing and becoming interested in a very statistically heavy and And weird minutiae if you if you did this back in the 90s people used to make fun of me And then all of a sudden now it's it's it's four times the value The the market for fantasy football is nearly four times the value of of nfl combined So you can take a populist and make them more interested in a weird minutiae that they have Control over I think I think gamifying health has a has a huge role to play in in this not just a straight incentivization but a gamification could become Big and you're seeing that in some of the things like peloton and some of these these connected Exercise and health efforts that now have people competing in their health I think that that's probably gonna play a role in it too. I know we're getting close to time So we'll stop there. Yeah. No, I appreciate that both shone and dug I think, you know, just last point I want to mention is If you think about retail investing now, it's a huge thing that maybe 20 30 40 years ago people were Kind of relied on their financial advisor or whatever to invest for them. So now it's been gamified with like, you know different apps and things So How can we do that for health care, right? But in a way that's productive and not sort of You know bad for humanity Well, thank you all for being here today and participating in this conversation One last thing there's an educational nugget here. I published an article or sorry a podcast with Shinya Yamamoto from Japan and we talk about web three innovation in Japan. He runs an accelerator in tokyo Did you guys know tokyo was the most populated city in the world? I found that out Um, so yeah, I just wanted to let you guys know about that and again to all the Americans on the call and everybody else Thanks again. Happy Thanksgiving. Hope to see you guys next time


Hi, I'm LaChan. I'm a PhD student here on behalf of the Associate Professor Bruno Maloney, Professor Neville Nocchi, Jane Cross and Mr Vince Clark, we're part of the Stroke Research Group at the West Australian Neuroscience Research Institute in affiliation with Sir Charles Gardner Hospital and the University of Western Australia. Before I begin, I'd like to thank the Brain Foundation and their donors, as well as the private donor of my PhD scholarship. I'm entirely grateful for your contributions and for giving us the opportunity to pursue this project. Now as you may already be aware, brain injury or neurotrauma as a result of traumatic brain injury, or TBI, is a major cause of morbidity and mortality worldwide, especially in younger populations. There may be the result of motor vehicle accidents, falls, street violence, contact sports or explosive blast waves, the latter of which is particularly prevalent in military personnel. TBI is broadly defined as encompassing any damage to the brain as a result of external mechanical forces. Since the initial primary injury from mechanical forces can only be subject to preventative measures, the development of treatments that target the damaging secondary processes that occur hours to days after the initial insult has the potential to drastically reduce the consequential social and financial burden. In developing a therapeutic that is neuroprotective, we aim to preserve neuronal integrity and function, therefore minimising secondary injury. Since these kinds of treatments are currently lacking, its development is of paramount importance. Our research group has recently demonstrated that peptides rich with the amino acid arginine are botanically neuroprotective, following brain injury as a result of stroke. This was seen in both neuronal cell cultures and in animal models. This is important as the damaging processes observed in stroke closely resemble those that are found in TBI. Arginine-rich peptides are part of a new and exciting class of neuroprotective agents. They are particularly appealing, most notably due to its suitability for use in the central nervous system and its effectiveness in targeting the early damaging events of injury. The aim of this project is to determine if selected peptides are able to reduce brain injury in an animal model that replicates the most severe grade of TBI. If successful, this could pave the way for translation from bench to bedside, where the efficacy of these peptides in minimising brain injury and improving patient outcomes may be assessed. Furthermore, the results from this project may also be applied to other areas of neuronal injury, such as spinal cord injury and neurodegenerative diseases. Thank you.


What's good job your boros back angry with another video? So I know a lot of you guys have been asking me how I will book certain wrestlers you guys like my opinions on you know Me reacting to like when Adam books a certain situation Or when you see me check out other people book certain matches or situations like what could have been you guys Always tend to ask me hey We would like to get your opinion or how you will book a certain person or a certain situation or a certain show wrestling show So you know what? I'm gonna give it a try man I've been thinking about this actually quite for quite some time and I'm going to see how I would book Cody Rose Winning the WWE championship This year now some people are gonna say Cody shouldn't be the guy to beat Roman for the WWE Championship, I'm gonna have to disagree there. The only reason why I'm disagreeing to that point. It's very simple Cody Rose came back for one reason one reason only he made it very clear on his promo on Monday night Raw He wants to be the WWE champion He wants to be able to win the WWE championship He was never able to do it while his father was alive and that's the one thing he always wanted to do Even before he left obviously and he had to leave to become even bigger for this to even happen a Lot whoop that was said in that promo has a lot of truth and it makes sense He's arguably the most over guy Especially on Monday night Raw and probably in the company. He's legit one of the hottest things right now in the company Seth Rollins and Cody Rose feud right now is easily one of the better feuds in on both shows So it only makes sense that to get the title the WWE title off of Roman Reigns and back on Monday night Raw He would be the best person to do it. There's other people that can do it But for specifically for this booking reason going with Cody Rose. So How will we set this up? Well money in the bank is Not far off actually it's right around the corner and this is where it starts. So we have had on the sale Cody is gonna face Seth Rollins. I'm keeping that the same and I have Cody Rose Winning the reason why I have him winning because you want to give him all the momentum as much momentum as possible heading into Money in the bank. He doesn't need to be taking any losses He doesn't he needs to be as strong as possible to defeat the ultimate Person in Roman Reigns is right now Roman Reigns is technically in God mode So you got to build up your character like in any RPG can't have him losing He has to be strong and I think him beating Seth Rollins getting rid of that feud moving on to Focus on other things is is the way to go. So I would have Cody Rose beat Seth Rollins at Hell in the Cell Now we're starting to prepare for money in the bank what they could possibly do is maybe put on some qualifying matches Whoever wins those qualifying matches, they would end up in the money in the bank men's ladder match obviously have Cody win a qualifying match to get into Into that match or whatnot. So have him there And ultimately everyone else. It doesn't really matter who's in that match No, I would actually even put edge in that match I will put edge in that match because you can set up a feud with Cody Rose and edge Much later down the road. So I would put edge in that match for sure so we know Cody wins his respective match gets put into it and You know, he's talking to you know He basically building up the problem building up the promos like this is this is opportunity I don't think he's ever won a money in the bank ladder match He's been involved in them, but he's never won one So this would be the perfect opportunity to get his way to the ultimate goal, which is becoming the WWE champion so we get some money in the bank money in bank happens and I know the rumor was that I'm gonna say Matt Riddle and Randy Orton were respectively going to have matches One was gonna have a match at money in the bank to face Roman One was gonna have a match at Summer Slam. Most likely was gonna be Randy Orton to face Roman Reigns at Summer Slam For the titles, but I think I would scrap that the reason why I would scrap that because obviously I'm gonna have Cody Rhodes win the money in the bank. So I Would probably do something of the lines of having them both face Roman Matt Riddle and Randy Orton I have them both face Roman in a triple threat match at money in the bank only because We're trying to set up for what was gonna happen at Summer Slam. It's kind of hard to push that Make that match happen and The way Cody character is He's more of a guy that would actually announce when he's gonna cash it in. So I would have Matt Riddle Randy Orton face off against Roman Reigns and money in the bank pay-per-view and I will obviously have Roman Reigns win I would have Cody Rhodes win the money in the bank and at the end of the show Roman Reigns putting up both the titles because he's one I'll have Cody music it I'll have Cody music it and just have Cody tease it Now he's not about to run out there and catch it in but he just hopes up the briefcase letting Roman know Who he's coming for next Next night on Monday Night Raw We waste no games Cody comes out there. Let it be known. I am cashing in my money in the bank briefcase As Summer Slam this year, that's why I said you move those matches turn into a triple threat match because you know Roman's gonna be both of them so Kill two birds with one stone. I know it kind of sucks But we were trying to get to the WWE Championship as Quick as we possibly can obviously Roman schedule is still kind of Unsure at this moment. So it doesn't look like he's gonna be around as much even on a week-to-week basis. So We're kind of speeding this along. So He announces that right Roman comes out. He's talking to Big Kane. Like, hey, that's what you want to do. Fine That's on you.  So At that point We're building up the show. We're building up for weeks.  Well, we've been down this road before With the shield me and your family. We've been down this road before We caused you guys a lot of pain and a lot of trouble. He could bring up the fact.  It seems as if Roman can only really truly be himself When he has the help of others around him like really get personal there really start getting into the psyche of Roman can't get the job done Without help He's the only reason why he's the head of the table because of the people around him It's not because of him. It's because of the help he has. He's always had help he's always had someone in his corner whether it's it was Sure, they won't mention it whether it was members in the shield like mentioned idea in bro's name Whether it's members in the shield or whether it was management behind your back and we can get personal because you know Cody is very good at talking on the microphone. Roman has found his way on the microphone as well and we're building that tension to the point Where they start pot potentially Setting up matches with cody going one on one with jimmy then maybe next week cody going one on one with j and Roman's getting frustrated because they can't beat him So that's when roman does what roman does goes extra road then they start attacking him Maybe one show they start brutally attacking. I'm talking about beating the living crap out of him And you can set up maybe two weeks before the show you set up Uh a segment where cody returns or whatnot and he takes out the usos I would have him do something like that. He goes around taking out one of the usos to the point where he like I guess you could say They can't even really help out roman. He takes out one of the usos He takes out another one of the usos and now it's just roman left And he's making it very clear I'm doing this because I have no other choice because at this point I already know how things are gonna go, which I wish baby faces would do I know you're gonna try to cheat I know you're gonna try to get someone involved So I took care of them. So it's just only me and you No one else. No one there to help you Or whatnot and I think that would be a nice change of pace because roman matches have kind of Started to end the same where someone out of the usos Get involved. So I think if he if cody takes them out the picture And they they build up towards that just him taking the usos out the picture and it's just me and you then they go from there and From there, you could possibly have maybe a little confrontation or a little brawl because roman is upset He's been injuring his family members. So you can have something like that on the go home show for summer slam Match is hyped up cody versus roman reins For the wwe championship. It's not for the universal championship strictly for the wwe championship And at that point honestly, they have a great match They tell a great story And it gets to the point where roman's getting frustrated because he can't put them away He can't put them away Now, of course the usos may try to hobble themselves down to the ring because once again they're hurt per storyline And what you could do possibly there, which I think would probably be a nice little callback is maybe have Randy Orton and uh Matt riddle come out there and attack them, you know because they have beef with them still It's not over yet. Obviously they have beef with them. So they attack them, which means roman is still by himself Or whatnot and from that point on That's when you have cody get the victory and and hit him with the crossroads and Call it a day one two three and he becomes the new wwe champion And you know what? I think a lot of people would like that I think that would be a great big pop because cody would be the first person to pin roman reins In like almost two years and win And i'm okay with it Because this will be the catalyst of his downfall him losing Will be the catalyst of his downfall That's when he starts to get a little bit crazy a little bit more maniacal So I would have that happen have cody roves win a wwe championship at summer slam and from there This is why I brought up edge You could potentially have him feud with edge. I think that would be a nice feud I wouldn't start it right away because ultimately I think edge will be a wwe champion at some point And if you guys want me to book that and I get my fantasy bookie or how edge will become the wwe champion relatively soon Then we can definitely uh, I can definitely do that for you guys. Just let me know But yeah, I would definitely book it that way. I would have cody rose with him money in the bank Have him announced that he's gonna cash in at summer slam and then have a program From money in the bank all the way to summer slam on them building up the match Have the match at summer slam have cody be triumphant It's kind of quick but again They don't really have anybody else on the raw side that even makes sense to challenge roman reigns And they don't have enough opponents for them to drag it out any longer than it already is I think they need to get at least the wwe championship off of roman reigns As soon as they possibly can so at least money in that raw can have some type of a head champion on the men's division But comment down below Let me know do you guys like this booking idea and how would you guys Change it if you could or make it even better. Let me know. I would like to get your fantasy booking on this particular situation Um, and also let me know if you want me to do more booking stories like this Or you know booking videos like this I definitely will if you guys are interested in it, but I appreciate all the love and support on the channel road to Landy k appreciate y'all kicking with me. See y'all next week. Peace


Jika semua orang bergerak, kita harus dapat memasukannya di tempat lain. Untuk pembelajaran yang mempunyai maklumat dan maklumat, apabila kita dapat, kita akan mempunyai pembelajaran yang mempunyai maklumat. Mungkin anda boleh menghubungi pembelajaran yang mempunyai maklumat, dan produk yang diambil di sana, anda dapat mengagumkan klinik yang berklinik untuk membuat maklumat maklumat. Untuk membantu produk anda, saya akan membuat lebih banyak kemahiran. Dan anda ingin tahu lebih banyak tentang pembelajaran, jika kita membuat pembelajaran tersebut, dan membawar kita untuk membuat pembelajaran di sana. Jika anda tahu lebih banyak kemahiran, dan anda cuba mencuba, saya ingin tahu banyak yang membuat pembelajaran di sana. Pada kemestinya, So, as always time, for most of the 100 that already have commerce, I believe you already have paper giveaway right? So you just want to find out what others are available to you. But for those who haven't had any, I want to share with you basically how are you going to go about picking your own paper giveaway. I think first question you have to understand, who are you selling to? Assume your darker than marker is Malaysian, then obviously you have to pick some paper giveaway right? That is a well known vibration. I give you an example, if your darker marker today is US and you try to sell out paper giveaway directly connect to Maybank and US people don't know anything about Maybank, actually it will cause a drop in the commercial rate because people just don't trust giving out their cut in deals to a payment giveaway that not fit their pay. So your darker than marker actually matters. And then the currency your darker than marker actually use. So you want to support a currency right? That can translate that currency without any currency exchange happen one. So let's say for most of Malaysian payment giveaway right? By default, it's ringgit regionally. Okay, you talk about how they will pay you as well. Those are more commonly known one. Okay, and if you want something more, a number of them they do support multi currency. Okay, but you actually need to actually pay a lot more and probably do a different API integration right? Just to be able to do that. But multi currency giveaway will make sense for you if you want to actually sell to Malaysia and probably sell to OECF from a single side. And I think the easiest way when you go for it is once you pick a version giveaway you go for multi currency you only support USD. Okay, then you actually make the management much easier unless you have a risk per seik takde in mind that sell to Malaysia, sell to Australia only. Then probably MYR will be more to the next hand. And as I mentioned, I don't know why they don't move it around. I think like that. It should be okay. So it's the payment giveaway as I said, well known critical. If today you are selling overseas I think the easiest option for you is definitely pay back. You don't need any fee, any payment process to sign up in the sharing. And you can straight away support multi currency. And how soon can you get the money into your bank account? So this actually matters more and more. Why? Because as a merchant, if you own a book on earth, I believe you have a chance to sell something. Cash flow is important. You need the money coming fast to buy more goods. And you know, the more skills you do, the more critical the cash flow is for you. You want the money come back to buy stock to pay off the staff's area etc. And the limitation to come. You have to take note of this also when you are buying for payment giveaway because a lot of payment giveaway at the start they actually set a default payment one. Some are 12,000, some are 50,000, some are 20k. So see if you sell computers. So one computer normally cost a much nowadays. Maybe 1k for 1k, 2k for low end. If you have a higher end one, maybe grow 5k, 6k for inverse. So you sell 3-4 unit, then you can't transact already. So that's a limitation for those who have not applied for your account yet. Payment will actually set a capital limit for one for you. And then the settlement currency. So settlement currency will be critical. But for most of you if you're selling locally, you take break-in ratio. And most of the local payment giveaway provider they will actually settle for you. So there's no currency loss effect.   But if you're selling low-end margin product, this will eat into your profitability. So take note of that as well. And then normally for payment giveaway fees, these are the basic fee structures of you can see whether they have been charged at what time fee, do they have a recurring money fee or yearly fee, and probably the transaction fee or what you call MDR. Okay, merchant is now ready. And the other fee is a chargeback fee. Anyone can understand what is a chargeback fee? Chargeback fee? Yes, this fee.  And then they actually found this fee with a bag, say, you know, good, not as a chargeback. And then bag will flow a chargeback. And this chargeback fee, right, can be very costly one. So to avoid this, basically just make sure that's monies to the client. Okay, and basically if the fraud rate also cost you chargeback as well. So the people give you charge as high as 80 to 90 per chargeback. So this is something no joke, but it might happen to you, you have got to treat it as a cost of doing business. That's how actually you should get it. Remittance fee is sometimes they wire the money to account, they will charge an extra fee as well. Some from as low as during it, some to 10, 20. You've got to take note of all the fees so that you can really calculate what you're getting out of it. And talk about the basic feature that you can look at it as well. Currency tax, as I mentioned, if you are Malaysian, you apply for Malaysian gateway, the default is always Malaysian main game domain. Okay, and take note, take note, if any of you currently are not a registered company yet, meaning you haven't registered in ROC. Heaven. And then, do they allow you to apply for paper gaming? Apart from paper? So take note, today if you want to do business, a lot of time we start with a personal, right? On sale. And when you want to build online store with WooCommerce, and you want to apply for paper gaming, they don't accept individual registration. So the minimum thing you should have is a company registered with ROC. So ROC, we will talk about SOPROP, partnership, and now ROC. So you should have at least an ROC registered entity. I encourage all of you to have this one. So when you want to apply for paper gaming, you can submit a confirmation as required. As well as when you go to marketplace and start opening up account as well, even though most of them they accept individual sale now, it will ease the process of the ROC part. Okay? Malaysia, by default, we support VISA and Mastercard. Okay? We don't support JVC, which is an auditory card in the US one. And by default, they don't accept MX as well. Only these two card. Okay? So take note, other card, you can't really process or even other charge card. And online transfer, this is a critical component, right, for most of the Malaysia community. Okay? We only need to support this card type and online banking. Most of the users, right, will not have a problem of making payment to you. So, this thing is quite well-established. And of course, then comes the reporting card. So, you've got to see whether, right, the payment can be back in the face, right? For what kind of reporting, the sales volume, month-to-month comparison, year-to-year comparison, that you require, or then even customise reporting for you or not. Some of them will do that. Okay? And all of them, that entry support will convert, obviously, they have to have this API. So, without API, they are not available for payment quite anyway. So, they are extra thing, recently, one of my client, actually check with us, they want to do like a subscription. So obviously, you need a recurring payment more. So, establish one, they all have this. And email payment, basically, if you have customers, they ask for some product, then they say, you know, I don't want to check out, I don't know how to check out from the store. And you just email me, actually, I feel my God, email, charge and transact for you. So, email payment, right? No payment. And there are some, one duration payment actually has something called product page. Means, when you sign up the store, you can actually upload the product to the end, of the payment given and being control panel itself. It's a one page product, you have description. Everything is in one page. You can promote in your social media, Instagram, whatever, the link. People clear with it, it's just payment product. So, it's very, very simple. And this is, this innovative features actually is my one of our local payment. And I personally, okay? So first, I think, most of you, okay? So, how is it? The survey? It's my every check-up. So, every check-up means allowance, okay? Old school. Old school, but it works. It can still gelat. Okay. Yes, this is what's the feedback of the user and this is what we are getting for most of the opportunity. But don't forget, iB today is a brand name. They are old school, but people look at it, people trust it. And if you look at it, they power most of the e-wallet back-end top-up nowadays as well. Okay? And they are the largest third-party payment processors, currently in operation. They are the most aggressive in terms of, if you use e-wallet, they don't talk about e-wallet. Most of the back-end top-up are powered by them as well. And also, they start supporting e-wallet as a payment option. It means if you look at, I think there's no line to be cash. Most, there's no line to be cash and go. And they're going to go live, I think we'll chat pay coming next week. So, they have a brand that have basically, if you utilize them, as old school as they are, people will just pay via, I mean, the trust. Okay? Even when a lot of people call in, most like, they don't know what's that, they just automatically ask for it. Okay? So, I pay.  So, do you face payment problem? Yes. Huh? So, a lot of people problem, because I pay is down. FPS is down. Another thing I want to highlight is, because the volume that they are processing, and eventually, after this disaster, they're going to make it up. So, they don't even provide that big one I actually have one at one thing. Means, as small volume that process, they have to big up and when you have volume that time, hopefully, in the next round, you'll be able to handle it better. Okay? So, that's what I pay. Well, and I pay, every paper I talk about here, you gotta assume, they already have commerce extension, and most of them they have official one. You just need to request for them, even though they don't publish it online. So, for Mopay, anyone using Mopay? You using Mopay as well? Smart. People try it. People try it. People try it. How do you try it? The interface, right? Okay. Apart from the interface better, what else? Intervention. Intervention? Yes. Simplest, smoother as well. So, Mopay is the second-largest player's innovation. I pay and Mopay combine, right? I believe they command a market share about 17-20 percent. Okay? So, these are the two established players. So, apart from, what you mentioned, the UI is better. The reporting is a lot of customer feedback. We have additional features that you cannot ignore. One of them is called MOL Cash. Have any of you pick MOL using MOL Cash Record? Buy online, you know, I don't have credit card, I don't have debit card, I don't trust it, and I go to 7-11 or 99 Street Market, I pay cash. Any of you try using our payment method before? No. So, according to the statistic, MOL Cash is the third-largest non-card payment option after Maybank, to U, and after CIP, and transfer. Okay? And I believe this statistic is published and shared out by MOL Pay from their own transaction alone. So, this is interesting. If you do something, if you sell to a market, that is non-card user, okay, or they don't trust one, you supporting this payment, right, will actually help you increase your sale. Okay? A good example, they found out a very interesting scenario using MOL Pay. There are some large travel sites when they start supporting MOL Cash. What actually happened is, right, those people, they use the app, they go to 7-11 there, they start placing order for the travelling package. Okay? And then, in front of the counter there, after that, we generate this code, right, then they let the counter scan and they pay cash for the counter. And once you pay cash for the counter, the update, right, is almost in real-time. So, the table option get, you know, the status of the order get updated. And in front of that, they also work with VCAP, you know this, be infinite. Okay? You can actually, right, go up to enable people who actually come to your site. You can tell them we are using MOL Pay, and when you check out, right, you will get extra points, loyalty points, right, added to your infinite card as well. So, it's something you can tap on. Okay? Or MOL Pay. Then EJHL, anyone using EJHL here? No. You know EJHL? So, EJHL basically by EJHL behind. Well, they are one of the listed companies here, and I believe, right, they are the third-largest players, right, after I pay MOL Pay. Okay? So, what I can say is, they have one interesting plan. Okay? They divided their plan, right? They let you, okay, what if you have a lot of transaction volume? You already know. So what they can do is, right, they allow you to pay upfront a fee, then enjoy a very-very low rate. For example, if you know that your transaction volume is more than 100,000 a month already, they pay that 10,000 to set up first to enjoy a rate as low as 1.8%. So it's below 2%. And normally, they offer this kind of rate on, you know, marketplace players or people that process a lot of volume. So, you're going to do some cooperation. And I share with you this week, right, so that once you know you have the volume, the whole point is, right, you can actually let go and talk to most of the payment delivery provider that, hey, at this volume, I want lower rate and I'm willing to pay upfront first, and then you complete the savings, you are going to save over time. Okay? And most of them, they have such a brand payment for you. Okay? Or whether you have to know that, you got such volume. Okay? And of course, EJHL, they also have a similar payment option like M1 Cash. They let customers, right? You know, if you go to a lot of petrol stations or what, they have this E-pay terminal, it allows payment to be made via E-pay terminal extra. Then they just base order online, go to the counter, make it an E-pay, terminal payment, get updated back to your old commerce store. Okay? And then, bill, please. Anyone use it? That number. What are they known for, bill, please? What are they known for? What are they known for? Why do you use them? They easy to get started. As easy as they can. Right? You just need an email account. So easy, very neat, very clear in the face. And most of the time, right, if you want to use bill, please, their strength really lies in online bank transfer. Okay? And they are unique in a way that they are probably the only one that do top up. Okay? Then like, easy bustle, you have to put money into the account first. And every transaction, bill, dita, the cheapest bill is 1 ringgit at 50 cents. Okay? And the other thing about bill, please is, bill, please, it depends on getting the money back. But so how fast bill, please? Bill, please, isn't it? How fast? I'm stuck with my account department. You don't know? This guy don't care about cash flow. He's rich. So it's normal they don't give it. Most of the time, the transaction time is like this. Monday to Sunday. Okay? So they will remit the paper to you on Thursday or Friday. Next week. Okay? This one, P plus 1. P plus 1 means what? Transactions happen today. Tomorrow the money will be come. Eat in your pack. Automatically. Okay? So that's the midday. And if you sell high value item. Okay?  If the table give-in charge is 2%. If you sell 1000 ringgit, 1 item, how much it cost you? 20. Right? This one, 1 ringgit at 50 cents. Yes. So, 18 ringgit 50 cents. It's up to you. Okay? So, you really need to know the mechanism and actually how to cap it to it. It's critical. And there are people, a guy called Hasru, run the two cafe one. He actually develop simple plug-in that let you switch between like this for old commerce store. If you exit a certain amount, they switch to built-in. Automatically as a table option. To save the cost of transaction. Like, this is something you can do. Okay?  Okay? The reason is in one bank, once you got problem, you can switch on another one without impacting your bank. Okay? Always have more than one paper give-in. Now, maybe do you pay? Anyone using it? None. And what is nobody using it? Do you even know that this product exist? Okay. Maybe do you pay actually, right, a wrong speech years back, previous back. Initial target is of blockers. You know, when block was very popular that time, there was this thing called block shop, you remember. Okay? And the problem with blockers is, right, a lot of people make online bank transfer and you look at all the transaction, right, you do who make which payment because all the amount the same one. Okay? So they start developing this product. They allow additional fields to be captured, name, you know, order ID, right? So that from there you can actually match back which customer actually make the payment. Okay?  The good news for you, they do support Google Commons, it's not published, you have a request for that, the zero application fee and guess how much for transaction. Not going to be free, right? Initially it's free. Initially, yes, 50 cents. 50 cents. So, the only downside for this is let me share with you, application process might be a relatively big cumbersome. Okay? Secondly, they only accept payback to your user. Okay? So it's not payback to your user. But remember, 50 cents only, at least the lowest cost in the market. And grant them. And they already support Google Commons. You can check out their website directly. Okay? Then we have this, Sonang Pay. Anyone using? So you like, what do you like about Sonang Pay? I don't like it because not so Sonang as you know what. Sometimes the name doesn't. Okay. I think, okay, I currently, I don't have experience during Sonang Pay yet. But I know Sonang Pay both. Okay? And basically, a few things about Sonang Pay. And I have friends that actually utilising Sonang Pay for their own stock. It's very low cost to startup. Their setup fee is I think as low as $200, okay? So it's cheap. And I think by default, their transaction rate is 2.5% for credit card, 1.5% for FBX. Which is also very competitive compared to others. But I think the cool thing about Sonang Pay is that the remittance even for credit card is very fast. So, on one of my friend that actually utilising for his Google Commons stock, the payment, they pay you back twice a week. Okay? They process for you. Two kinds. Remittance a week. Of course, most of them they have a minimum amount of $100. You have to have in the bank. And secondly, Sonang Pay, if you are selling on social only today, remember just now I talked to you about the product, page feature? They are the only one that has it. Okay? So you can upload an individual product. You know? So the way you put a link, then you use a big lead, track how many people click on it. People go to the site, people make payment and set boom-tang. But of course, it's not a full-fledged shopping cart function. But it's a single model page. It's good enough for you to sell an individual item for a lot of time. Take order. It was very, very simple. Check out Sonang Pay. Pay this. I... Who put a pay this here? Yeah. None of you is good. They just won an award of me. So, basically for Pay this, they are very newcomer to the market. You can check out their website. They already had live boom commerce for running on Pay this. I talk about Malaysia one. So they are newcomer. A few things, they try to compete on support. They claim their support is from 10 a.m. to 10 p.m. every day. Okay? That's the first thing they do. Secondly, they currently offer a plan that offers zero transaction fee. You don't pay for ordering it. You use them. The transaction fee is zero. Of course, they are D&C inside. So, do check with them. Buy or more. And they say they are very, very flexible. They will be able to properly customise response and even do some customisation for your unique need. Go small one. Normally, they are hungry. Oh, 5 more minutes. Okay, let me jump. Pay pay off? Shall I skip this? I don't want your order.  Pay pay off is the easiest for you to sign up to take my international payment. And also, the myth is right, if a user without pay pay account, they can't pay. Actually, they can.  My experience is right, if a user trying to buy something from you is more than USD 100, pay pay off will prompt them to register for an account. Okay? That's from my experience. But the real criteria, I think they collect in order to trigger this force you to actually using the register payment account, we never know. Okay? Because they are handled by different pay. Okay? So, quick things. Alright? International, remember, we know people giving in that particular country of stuff in pay pay off for all of you. For Malaysia, okay, most of you just now say one, okay, with process creation and make your account apply for two payment payment account or multi currency, right? All the same. So, okay, I don't have much time left. E-wallet, how many of you are using it? Don't be shy. This group should be more tax savvy, right? So, how's your e-wallet experience so far? Good? Bad? Useful? useless? So, I just want to share with you, currently, right, these are all the e-wallet player in the market. Oh, be the exception of this one, the Kedap here, okay, they have not published their apps online. This is the thing I have come out with. All this has gone online and they are the only licensed e-money players, right? Currently, they have published their apps in the market.  A lot of people confused, right, what's an e-wallet and what's considered an e-money? So, let's take a look at Starbucks app. Okay? So, is it e-wallet? Yes. Just like our wallet and store things. Is it e-money? Yes. Why? Because it's a lot top up. Okay? You pay them cash, they store a digit in your account, which can be used to trade with them. Okay? Is it open loop? Open loop means apart from Starbucks, that you use the money inside, right, to pay Tesco, to pay AOM, or even to buy from you if you're using payment to support e-wallet. The answer is no. Okay? So, they don't require a license, e-money license for an agarangation. Okay? You have to fulfill all these criteria. Oh, this is something a lot of people probably don't know. And is it linked to a card scheme? Meaning, right, this e-wallet takes its time to visa master Yes? Faith. A lot of people think it's actually e-money provided. Actually, they are not. Why? E-wallet, yes. You know, because you can tie your credit card to it or debit card to it. Is it e-money? No. You can't talk up. Okay? You can't talk up. They only tie to your card. Every time you're using a fake pay, you are actually triggering the credit card put in for authentication in real time. They don't actually store on e-money. Is it open loop? Obviously, it is. Because, right, tie to a card while you actually accept payment. They pay QR code, right? You can just use a bank to scan it and trigger the pull from the card or the authentication or the credit info. Is it linked to a card scheme? No. Okay? And then you take a look at BMM QR pay. Any active BMM QR pay user here? No. Eh? QR pay. You like it more than the difficult e-wallet Why? Okay. That's the thing also. It's also very convenient. Don't you think so? Why is it being hacked? And it's not saved by BMM. There are security extra that I've mentioned before. Payment, right? That tie directly to your card slot account. Colour account and saving account. What is being hacked? Okay? So, the risk, right? Is that? Okay? Then you have both obviously wallet, yes? Open loop, yes? Is it linked to any card scheme yet? No. But most, they are going to support China Unipay. They have announced that. So, imagine if they link up with China Unipay whoever try and make payment on every terminal that already support COP. Stand for China Unipay. So, most are adopting a different strategy. And then, big pay and pay wallet and also merchant trade money. So, these are what we call card-based e-wallet. They are licensed e-money pay as well. And what makes them different is, right, whatever they are doing, they are currently linked to a Visa Pay-Pay card or Master Pay-Pay card. Any big pay user here? I will, right? So currently, you get the contactless card. So, when they are writing on the Mastercard Network, the good thing about card-based e-wallet is they don't have to acquire new merchant. Any merchant that already accept credit card, debit card, you can utilize your e-money pay card to pay for it. Okay? But of course, I think the downside is, right, you still need a card. If not, they don't acquire merchant. They don't have QR code, right, for the merchant for you to make payment. Then, you can't just carry a phone around without your card. You still need card to actually make payment to them. So far, any question? I think it's almost time out already. Okay, let me wrap up the last slide for you. I think it's something important for all of us to know. The ICPF, right, basically is interoperatively credit transfer framework by Megadar. Okay? And what you actually intend to do is actually, right, make sure in the future bank and non-bank have shared network platform everyone can access to it, right? Then without prejudice, you know? So that non-bank and non-bank we can transfer money to each others, right? Easily. Okay? That's the whole idea. And to actually enable this, they need a system. They call it RPP. Real-time payment platform. And this RPP, right, is being developed by payback. So payback is the shared platform discrete operator. Then the first thing they already done is this one. Have you recently heard of doing now? So doing now, right, is the first implementation of the National Addressing Database. Okay? What you can do now, doing now, now if I want to transfer money to you, I need a background video. Right? But for doing now, the idea is I only need to remember your mobile or your IC or your complete registration number. Then these features will be developed when we log in to our internet banking. We're using doing now. We just key in your mobile number. And if your mobile number already tied to a certain kasa, now my money transfer is done. Okay? So doing now is going to be launched by Apple. I think this Apple, this year. Okay? You'll see more of it. All this is the first implementation of the MAD. Secondly, is an interoperable QR code. You see what the issue now is, right? Every so many world players, everyone have their own QR code. Right? Then, without the QR code, I mean, if you need to launch a different app, just scan the QR code just to make payment to them. So this interoperable, plan to solve one thing. In the future, if you use boost, you can scan maybe QR pay code and the money can be transferred to them. Okay? And of course, this will be applied to larger players. Means they are looking at, if you have more than 5% market share, or you have more than 500,000 e-wallet user, you have to apply this. Okay? By this, I end this here. Thank you. Thank you.


Okay, you've probably used the command wc before it will give you line counts on on words characters and Lines yes, so if I was to say cat out a file. We'll say Etc services we get a big old file here if we were curious on how many words characters and lines are in that we could pipe That into wc, so we can see here. There's 680 lines There's two thousand six hundred and forty seven words and we got nineteen thousand four hundred thirty six characters individual characters in that file We can also cat out something like Linux and pipe it into wc and hit enter. Oh, sorry not cat Let's echo that line and you can see that we've get a file with one line one word and six characters Problem with this Linux only has five characters in it. Why is it saying six you might go Chris? You have a space at the end. Well, let's try it without the space. We still get six We can also tell wc to Dash see only shows character so we can ignore the lines and words. Let's just look at the number of characters Still getting six there. Let's put quotations So we make sure there's nothing else in there we're still getting six why is word count giving me an inaccurate Number of characters. Well, wc. It's not wc. It's messing up It's echo that is messing you up here because by default when you echo out a line It automatically gives you a new line character So you can see there's a new line there if I was to give echo the dash end command saying no new line You'll see that it does not give me that new line at the end That's why Linux here is on the same line as my new prompt Hit enter again to get off that So that is the problem. It's the new line character even though you're not physically seeing it with your eyes. It is Still there and word count is counting that new line character as a character But if we say no new line we do wc dash see we get five which is an accurate number So that's one option. Another option is instead of using echo. You can always use printf printf Linux Gives us Linux as an output with no new line because by default printf does not give a new line So it's like in this case using echo with the no new line character So we printf Linux into wc dash see We get five So if you're going to try to count the number of letters in a string using this technique And it's not the only technique and they're probably better techniques out there But if you are using this technique and you're using echo be sure to add the new line or just use printf That I'm sorry the no new line and printf that way you don't get an inaccurate number Which could completely throw off your script if that's vital to your script So I thank you for watching. Please visit my website. That's filmsbychrist.com That's Chris with a K there should be a link in the description and I hope that you have a great day