Maturing of the cloud for accountants world webcast 8 20-14
Digital Disruption Finance Melb Nov 18th 2015
1. See page 3 for full speaker list
INSIGHTS TO
DRIVE DISRUPTIVE
INNOVATION BY:
• Exploring New Technologies:
The opportunities and the
threats – block Chain, Bit
Coin, NPP, P2P Platforms,
Data and Analytics, AI,
Algorithms, Machine Learning
• Embedding Agility and
Boosting Responsiveness
to Keep Up with Disruptive
Change
• Investigating Various
Innovation Models and
Identifying the Best Fit
• Deconstructing Operational
Strategies to Drive Innovation
• Building Capability and
Digital Skills to Drive Change
• Fintech Collaboration and
Partnerships
• Creating a New Ecosystem
to improve the Financial
Services sector
• Reassessing Regulatory
Frameworks to Encourage
Innovation and Competition
• Identifying and Mitigating the
Risks of Disruptive Innovation
• Monetising Technology and
Optimising Existing Assets
• Driving a Culture of Change
and Innovation
Pre-Conference Workshop Day: 16 November 2015 • Main Conference Dates: 17 - 18 November 2015
Venue: Rydges on Swanston, Melbourne
Researched and
Developed By:
Organised By:
Leveraging technology, exploring innovation models and building capability for disruption
FEATURING 35+ SPEAKERS, INCLUDING:
John Berghout
Chief Operating Officer,
Digital Banking
Barclays (UK)
Michael Bromley
Head of Digital and
Creative Services
IAG
Gavin McCosker
Chief Operating Officer
and Registrar of Personal
Property Securities
Australian Financial
Security Authority
Daniel Foggo
CEO
Ratesetter
Stuart Stoyan
Founder and CEO
MoneyPlace
Toby Heap
Managing Director
H2 Ventures
Jonathan Davey
Executive General
Manager
Nab Labs
Dilip Rao
Managing Director, Asia
Pacific
Ripple Labs
Sean Langton
Head of Solutions
Engineering
Bankwest
Alex Scandurra
CEO and Founder
Stone & Chalk
John Riccio
Partner, Digital
Services Leader
PwC
Simon Cant
Co-founder and Managing
Director
Reinventure
T:+61292291000 n F:+61292232622 n E:registration@iqpc.com.au n W: www.digital-disruption-finance.com.au
Lead Advisory Partner: Event Partner:
2. T:+61292291000 n F:+61292232622 n E:registration@iqpc.com.au n W: www.digital-disruption-finance.com.au
EVENT HIGHLIGHTS
1. Capturing the evolving ecosystem
of the financial services sector with
insights from incumbent banks,
insurance providers and super funds;
fin tech start-ups; innovation hubs and
venture capitalists
2. Highlighting:
• Models for Innovation
• Building Agility
• New Technologies
• Partnerships and Collaboration
3. International insights from leading
architects of disruption
John Berghout
COO, Digital Banking, Barclays (UK)
4. Speakers from NAB, ANZ,
Commonwealth Bank of Australia, IAG,
Bankwest and many more
Who will you meet:
Organisations:
• Banking
• Credit Unions
• Super Funds
• Insurance
• Cards and
Payments
Job profiles:
• Chief Executive Officer
• Chief Information Officer
• Chief Technology Officer
• Chief Digital Officer
• Chief Data Officer
• Head of Digital Transformation
• Head of Digital
• Head of IT Delivery
• Head of Insights and Data
• Digital Project Director
• Head of Innovation and many more
WELCOME TO
DIGITAL DISRUPTION FOR FINANCIAL SERVICES
Dear Colleague,
New technologies are drastically changing the way financial services are
consumed, structured and delivered.
Digital Disruption is not imminent. It is happening right now and we are
experiencing its impact at this very moment. Rapidly evolving technologies
such as artificial intelligence, advanced algorithms, machine learning,
data and analytics, internet of things, block chain and NPPs are enabling
the development of new products and the emergence of previously unseen
competitors – present a real threat and opportunity to financial services.
The stakes are high with market share, revenue and customers all at risk.
Businesses are focusing on driving digital transformation by becoming
more responsive, driving product innovation and tapping into new ventures.
Identifying and anticipating the next revolutionary technology is key, but
success will depend on unlocking the best opportunity.
Success and survival of businesses depends on 3 major factors:
• Leveraging disruptive innovation to increase responsiveness
• Harnessing new technology to improve products, increase engagement
and increase revenue
• Exploring various business strategies and innovation models
• Building capability, infrastructure and skills to keep up with disruption
It is widely acknowledged that disruption is not a one time event. It is
a constant pressure to drive innovation that is transforming consumer
behaviour, business models and the financial services ecosystem. With this in
mind, the program will address concerns about disruption such as:
• Deconstructing the approach to disruption: What are the gaps and how can
it be improved?
• Reassessing how disruption is transforming the financial services
ecosystem, partnerships and fintech collaboration
• Evaluating different innovation models to drive disruptive innovation vs.
incremental innovation
In a nutshell Digital Disruption for Financial Services will provide insights and
ideas on effectively dealing with digital disruption today whilst capitalising on
the opportunities it presents for growth and development.
Register your place by Friday 23 October and save up to $150 with our early
bird discount.
Looking forward to meeting you in November.
Kind regards,
Genelee Mazarello, Director
Digital Disruption for Financial Services 2015
26% of banks witnessed 15% savings by automated back office
and customer facing processes
Cognizant report
Wallet war gains momentum with UK launch of Apple Pay
Headlines everywhere
Blockchain technology could reduce banks’ infrastructure
costs by up to $20 billion a year
Report by Santander Innoventures, venture capital wing of the
Spanish bank
Over 17 million expected to try UBI (Usage Based Insurance),
powered by IoT by end of the year
Report by BI Intelligence
3. T:+61292291000 n F:+61292232622 n E:registration@iqpc.com.au n W: www.digital-disruption-finance.com.au
MEET THE SPEAKERS
John Berghout
Chief Operating Officer,
Digital Banking
Barclays (UK)
Pam Rebecca
Head of Digital
ANZ Australia
David Engel
Payment and Mobile
Strategy Leader
GE Capital
Ronald Tucker
Managing Director
Bit Trade Australia
Martin Collings
VP Innovation
MasterCard Labs
John Riccio
Partner, Digital Services
Leader
PwC
Chris Chan
Agile and Lean Coach
NAB
Jonathan Davey
Executive General Manager
Nab Labs
Sean Langton
Head of Solutions
Engineering
Bankwest
Rachel Ashley
Head of Operational
Transformation
Zurich Financial Services
Jenny-Lee Koksal
Chief Digital Officer
Prime Financial Group
Stuart Stoyan
Founder and CEO
MoneyPlace
Mark Adams
Senior Executive Leader
Strategic Intelligence
ASIC
Atul Narang
Founder and CIO
HashChing
Gavin McCosker
Chief Operating Officer
and Registrar of Personal
Property Securities
Australian Financial
Security Authority
Murray Howe
Executive Manager, Group
Digital & Media
SunCorp
Toby Walsh
Program Leader
NICTA
Andrew Ward
Managing Director
SelfWealth
Chris Hamilton
Chief Executive Officer
Australian Payments
Clearance Association
Al Bentley
Founder and CEO
Simply Wall Street
Joe McGuire
StateManager,Transactional
Banking Solutions
Commonwealth Bank of
Australia
Mark Nagy
Head of Merchant
Development and Innovation
Commonwealth Bank of
Australia
Simon Cant
Co-founder and Managing
Director
Reinventure
Chris Ball
Head of Corporate
Partnerships
BlueChilli
Daniel Foggo
CEO
Ratesetter
Toby Heap
Managing Director
H2 Ventures
Dilip Rao
Managing Director,
Asia Pacific
Ripple
Alex Scandurra
CEO and Founder
Stone & Chalk
Chris Gilbert
CEO and Founder
Equitise
Michael Bromley
Head of Digital and Creative
Services
IAG
Simon Lee
Founder and CEO
PromisePay
Jason Slade
Partner, Co-Leader
Financial Services
PwC
4. T:+61292291000 n F:+61292232622 n E:registration@iqpc.com.au n W: www.digital-disruption-finance.com.au
10:40 Morning Tea and Networking Break
11:10 Moving from Waterfall to Agile Delivery to Keep Up
with the Pace of Disruption
Like most incumbent businesses, ANZ has traditionally
followed the Waterfall methodology. However this isn’t
effective when working through digital disruption. It is
resistant to change, time consuming and almost sets
projects up for failure with the resulting delays. Agile
delivery on the other hand allows for flexibility and not
only allows change but expects it and is therefore
conducive to disruptive environment. However making
the shift from Waterfall to Agile is an arduous journey
and presents several challenges. The key to staying
ahead of the curve with digital disruption depends on
the success of this shift. The Head of Digital for ANZ
Australia share her insights on managing this shift while
leading digital transformation and how she has
addressed the questions of retooling (people and
technology) and managing the culture change.
• Deconstructing Agile delivery and assessing why it is
better suited to disruptive change than Waterfall
• Evaluating the impact of flexibility
• Investigating the key differences and commonalities
between Agile and delivery
• Creating a roadmap for the shift
• Retooling, upskilling and training to build capability
for agile delivery
• Effectively managing the culture change
• Creating a workplace that supports and encourages
agile delivery
• The journey so far and plans for the future
Pam Rebecca, Head of Digital
ANZ Australia
11:40 Exploring Block Chain: Uncovering the Technology and
Practical Applications
Block chain is widely discussed to be the next big
disruptive technology, changing the way things
have been done potentially eliminating fraud and
decentralising authority. This session will dig deeper
into the practical applications of block chain particularly
in financial services and how businesses can be
prepared for this wave of disruption.
• Uncovering the technology behind block chain
• Discussing practical applications and its impact on
financial services
• How can block chain improve cost/revenue ratio
• Impact of decentralising authority and fraud
Dilip Rao, Managing Director, APAC
Ripple
12:10 Connected Banking: Connecting with Tomorrow’s
Customer Today...Now
John will explore what the customer experience might
look like in the near future with organisations in
financial services needing to be able to ‘connect’ the
dots through technology and their own existing systems
to offer a far superior customer experience. This
change does not come lightly and requires businesses
to critically review their internal operations, processes,
culture and metrics in order to achieve this. In the
world of multiple disruptors, a brand will only be as
strong as the experiences it creates for its customers.
DAY ONE
TUESDAY, 17 NOVEMBER 2015
08:00 Registration and Morning Coffee
08:45 Opening Remarks from the Chair
Thomas Achhorner, Partner
Strategy
08:55 Keynote Panel Discussion:
How will the Next Wave of Disruptive Technologies
Impact Financial Services in Australia
The Australian financial services sector is highly
regulated and dominated by the big 4. But with new
technologies changing the financial supply chain, nature
of transaction and offering speed and convenience, what
is the future of financial services? How will it evolve?
And what does the change mean for incumbents and
start ups in the sector as they continue to focus on
building market share and revenue streams?
• Block chain, bit coin, NPP and crypto currencies:
How will emerging technologies impact supply chain,
transactions and product
• Evaluating new technology as a cost saver:
Transformation operating models to keep up with
change and reduce cost/revenue ratio
• Monetising new technology to improve products and
increase revenue
• Assessing VCs, incubators and partnerships in a bid
to keep up with accelerating change
Panellists:
Chris Hamilton, Chief Executive Officer
Australian Payments Clearance Association
John Berghout, Chief Operating Officer, Digital Banking
Barclays
Andrew Ward, Managing Director
SelfWealth
Michael Bromley, Head of Digital Services and
Innovation, IAG
Moderator:
Jason Slade, Partner, Co-Leader Financial Services
PwC
09:40 Disrupting from Inside: Culture Change and Building
Capability
Culture change depends on infrastructure and people,
specifically working around legacy systems and building
capability. Explore Bankwest’s journey and their focus
on the customer. It will also explore different schools of
thought and strategies in driving effective
transformation
• Reengineering processes and working around legacy
systems
• Building capability and keeping the customer focus
• The importance of technological capability and
commercial acumen
• Upskilling and discussing the graduate program
Sean Langton, Head of Solution Engineering
Bankwest
10:10 Speed Networking
An interactive session designed to help you expand your
network through one-on-one conversations. Bring
plenty of business cards!
5. T:+61292291000 n F:+61292232622 n E:registration@iqpc.com.au n W: www.digital-disruption-finance.com.au
Financial institutions have the opportunity to learn from
other sectors to understand how they can connect with
customers through technology to offer a far superior
experience - anticipating and surpassing their needs
and expectations. This discussion explores what
organisations need to do in order to keep pace with the
always on and connected ever-evolving customer.
John Riccio, Partner, Digital Services Leader
PwC
12:40 Meet the Speakers: Hosted Lunch
13:40 International Case Study:
Is Digital Transformation Flawed?
Most businesses approach digital transformation from
traditional perspective of change and business model
evolution. John Berghout argues that this approach is
flawed and will lead to a failed or sub par
transformation. Effective transformation calls for a
complete revaluation of business and operating models
before beginning digitisation.
• Identifying why digital transformation is flawed?
• Reassessing the operating and business models for
digital transformation
• Building agility and digitising processes
• Impact on cost/revenue ratio
• Taking account of new and emerging technologies
and competitors and associated risks
John Berghout, Chief Operating Officer, Digital Banking
Barclays
14.20 Keeping up with The Pace of Disruption in Financial
Services
It’s all about keeping up with the velocity of change. This
session will look at different ways in which a business
can embed speed.
• Increasing transparency and collaboration
• A customer centric approach
• Design thinking
• Building digital capability
Michael Bromley, Head of Digital and Creative Services,
IAG
14:50 Panel Discussion
Embedding Agility: Is it the Only Route to Keeping Up
with Disruptive Change?
This session will bring together leaders who are driving
agility within their businesses. Of course this is no easy
task when moving from a more traditional operational
model. They will share their experience and opinions on
the effectiveness of agile vs. traditional models. They
will also deconstruct the process, identify gaps and
areas for improvements.
• Agile vs. Traditional models: Assessing the pros and
cons
• What are the biggest obstacles encountered?
• Identifying the gaps in the process so far
• Is agile the way forward?
Panellists:
Jason Gracanin, Head of Digital Services
TAL Life
Rachel Ashley, Head of Operational Transformation
Zurich Financial Services
Chris Ball, Head of Corporate Partnerships
BlueChilli
15:20 Machine Learning and Artificial Intelligence:
Uncovering the Opportunities and Outlook for the
Future
Artificial intelligence and machine learning are touted
are the next big wave of disruptive change that will hit
the financial services sector. This session will explore AI
now, the opportunities for innovation and the impact on
jobs, the economy and the workforce.
Uncovering AI and machine learning: What are the
opportunities and how to leverage them to drive
innovation
Discussing questions about privacy and the workforce
Exploring consequences to the sector and the economy
Managing the change and being prepared
Toby Walsh, Program Leader
NICTA
15:50 Afternoon Tea and Networking
16:20 Developing a Winning Model for Payments Innovation
This session will highlight the 8 determinants that need
to be taken into account to ensure effective payment
innovation.
• Exploring the 8 determinants and what is their
significance
• Engaging merchants and forming good partnerships
• Identifying and understanding your target market: low
income vs high income
Martin Collings, VP of Innovation
MasterCard Labs
16:50 Leveraging Data Visualisation to Boost Customer
Engagement
Simply Wall St are a fintech start-up tapping into the
B2C investment space. Spotting a gap in the market
they’ve used data visualisation to create a platform that
allows investors to make non- emotional, long term
decisions. It breaks beyond the barriers of spreadsheets
and jargon to create a product that is truly focused
on the customer empowering them to make non-
emotional, long term investment decisions.
• Monetising data visualisation
• Appealing to and engaging your customers
• Product development and plans for the future
Al Bentley, Founder and CEO
Simply Wall St
17:20 The Importance of the PPSR Journey: Getting Rid of a
Fragmented System and Going Completely Digital
The government’s role in supporting secured lending
Striking the right balance with government involvement
The importnace of the PPSR journey
Where to from here
Gavin McCosker, Chief Operating Officer and Registrar
of Personal Property Securities
Australian Financial Security Authority
DAY ONE
TUESDAY, 17 NOVEMBER 2015
6. T:+61292291000 n F:+61292232622 n E:registration@iqpc.com.au n W: www.digital-disruption-finance.com.au
DAY ONE
TUESDAY, 17 NOVEMBER 2015
17:50 Panel Discussion:
Bridging the Digital Skills Gap
Technology is only as effective as the people. There is
a huge digital skills gaps and this is proving to be a
major hurdle in digital transformation. This panel brings
together leaders who are addressing these concerns in
different ways.
• Identifying key skills and capabilities needed for
effective digital transformation
• Redeploying and up skilling employees
• Discussing partnerships and working with
universities
Sean Langton, Head of Solution Engineering
Bankwest
Al Bentley, Founder and CEO
Simply Wall St
Murray Howe, Former Executive Manager
Suncorp
18:30 Close of Conference Day 1 and Networking Drinks
7. T:+61292291000 n F:+61292232622 n E:registration@iqpc.com.au n W: www.digital-disruption-finance.com.au
DAY TWO
WEDNESDAY, 18 NOVEMBER 2015
10:10 Morning Tea and Networking
10:40 How a Medium Sized Wealth Management Firm has
Successfully Embarked on a Digital Transformation
Journey Overcoming Challenges to Instil a Strong
Digital Culture and Mindset
• Why embark on a digital transformation journey?
• How do you define your own digital goals?
• How to set up a digital strategy framework for a
successful digital transformation journey?
• What were the expected and unexpected challenges?
• How to best overcome the challenges?
• How do you measure the ROI?
• 3 Key Lessons Learnt
Jenny-Lee Koksal, Chief Digital Officer
Prime Financial Group
11:10 Story of Albert – Conception to Development:
Leveraging Disruption to Meet Market Needs
Innovation for improved products is all is not just about
technology it’s about the customer and understanding
their needs and leveraging technology to create
opportunities. This session will look into the conception
and development of CBA’s new smart merchant tablet.
• Customer feedback and creating the right
opportunities
• Team work and collaboration
• Challenges faced and lessons learn
Joe Mcguire, State Manager, Transactional Banking
Solutions, Commonwealth Bank of Australia
Mark Nagy, Head of Merchant Development and
Innovation, Commonwealth Bank of Australia
11.50 Disrupting the Mortgage Industry: The HashChing
Story
This session will look at how HashChing have disrupted
the mortgages sector by leveraging an online platform
and helping consumers to get a mortgage in the comfort
of their home.
• The customer perspective - how the co-founders
used their own experience as customers to identify a
gap in the market
• Putting an idea into action
• Parnering and collaboration
• The challenges faced by start-ups in Sydney
Atul Narang, Founder and CIO
HashChing
12:20 Networking Lunch
13:20 Harnessing Data and Using Algorithms to Disrupt the
Process and Fill a Lucrative Gap in the Market
• Identifying a gap in the market and leveraging
technology to capitalise on it
• Identifying the right technology to disrupt the process
• Challenges and educating the market
• Managing and mitigating risks
08:30 Morning Coffee
08:45 Opening Remarks from the Chair
Thomas Achhorner, Partner
Strategy
08:55 Embracing Disruption and Developing FinTech for a
Productive and Resilient Australian Financial Services
Sector
Digital disruption can potentially shift the balance of
power in financial services. Fintech start-ups
empowered by technology and agility are laying a
claim on market share that has traditionally been a
stronghold of incumbents. It’s not just start-ups but
competitors from other sectors in a bid to diversify, are
leveraging technology to tap into the financial services
sector. What does this mean for the sector? The
technology is boosting productivity, competitiveness,
resilience and growth. How does the financial sector
then ensure that they are creating the best environment
and regulatory framework to drive and sustain growth?
• Assessing the current regulatory framework: What
are the gaps and where is the redundancy
• Setting up to spark innovation and support growth
• Building resilience and productivity
• Facilitating dialogue and partnerships
Panellists:
Mark Adams, Senior Executive Leader, Strategic
Intelligence, ASIC
Daniel Foggo, CEO
RateSetter
Ron Tucker, Chairman
ADDC
Chris Gilbert, CEO
Equitise
09:40 Differentiating in a Crowded Market Place through
Partnerships and Data
As businesses become technologically savvier,
partnerships and data are the key to differentiating in
a crowded market. The Payments and Mobile Strategy
Leader for GE Money believes that as technology levels
the field, building deep relationships with your
partners, such as merchants and leveraging data to
for product personalisation is critical to maintain a
competitive advantage. In this session he will share his
strategy and how he is working around legacy systems
for agile delivery and getting buy-in when dealing with
new ideas and technology that they have past results to
back them up.
• Forging and building great, mutually beneficial
partnerships
• Driving agile delivery and working around legacy
systems
• Gaining buy in and team support
David Engel, Payment and Mobile Strategy Leader
GE Capital
8. T:+61292291000 n F:+61292232622 n E:registration@iqpc.com.au n W: www.digital-disruption-finance.com.au
DAY TWO
WEDNESDAY, 18 NOVEMBER 2015
13:50 Innovation Labs: The Key to Staying Ahead with
Disruptive Innovation
Many incumbents are choosing to set up innovation
labs, outside of their day to day operations in a bid to
keep up with disruption. By creating an environment
that boosts creativity and drives innovation they are
able to bypass the restrictive processes and improve
speed. This session looks into what it takes to lead a
successful lab.
• Creating an environment that sparks innovation
• Monetising innovation
• Empowering employees to innovate
Jonathan Davey, Executive General Manager
Nab Labs
14.30 Corporate Venturing: Overview of Models, Strategies
and Common Mistakes
• What are the different models of corporate venturing?
• How do the different models deliver differing
objectives for the corporation?
• Learnings to date: common pitfalls and mistakes for
corporate venturing
• The Reinventure model and partnership with Westpac
Simon Cant, Managing Director and Co-founder,
Reinventure
15:00 Afternoon Tea and Networking
15:30 How FinTech Hubs are Driving the Future of Financial
Services
Fintech is one of the fastest growing industries in the
world and Australia presents many of the key
characteristics of supporting this. This session will bring
together leaders of Australia’s foremost hubs sharing
their vision for the future and the key role of
partnerships and collaboration in driving this.
• Deconstructing the power of fintech
• The impact of disruption on incumbents and the
benefit of partnerships to drive disruption
• Examining the regulatory framework
• The key to effective partnerships
Panellists:
Stuart Stoyan, CEO and founder
Money Place
Alex Scandurra, CEO and Founder
Stone Chalk
Toby Heap, Co-founder and Managing Director,
H2 Ventures
Simon Cant, Co-founder and Managing Director,
Reinventure
Atul Narang, Co-founder and CIO
HashChing
16:30 Building People Capability and Driving Cultural
Change for Digital Transformation
When it comes to digital disruption, technology is only
an enabler, it is your people who will drive it and it
them who will determine the success of your business
in driving effective disruptive innovation. There is a gap
in understanding the skills that are needed for effective
digital innovation. Businesses are facing a shortage
of the key skills and capabilities that will drive
disruption. This session will also managing the cultural
change and overcoming resistance to doing things
differently.
• Identifying key skills and capabilities needed to drive
digital transformation
• Redeploying and reskilling your current workforce
• How to overcome the gaps by collaborating and
partnering with fintech
• Overcoming resistance and gaining buy-in
17:15 Close of Conference Day 2
SPONSORSHIP
OPPORTUNITIES
Business leaders, decision makers and important
influencers driving digital transformation projects,
leading product development and driving innovation
will be at Digital Disruption for Financial Services .
With Digital Disruption a real threat to their
organisations future, they are committed to
delivering digital transformation strategies that
will build agility, speed, intelligence and innovation.
Do you offer solutions that can help the attendees
stay ahead of the curve and secure and grow their
market share and revenue? If so, the event will
provide you a platform to showcase your products
and services to those making critical transformation
decisions.
Contact Matt Holland on 02 9229 1050 or email
sponsorbranding@iqpc.com.au to discuss bespoke
sponsorship and partnership opportunities.
About Our Sponsors:
PwC is one of Australia’s leading professional services firms,
bringing the power of our global network to help Australian
businesses, not-for-profit organisations and governments
assess their performance and improve the way they work. We
help organisations to work smarter and grow faster. We consult
with our clients to build effective organisations, innovate grow,
reduce costs and manage risk regulation from strategy through
to execution.
Finacle is the industry-leading universal banking solution from
EdgeVerve Systems, a wholly owned subsidiary of Infosys. The
solution helps financial institutions develop deeper connections
with stakeholders, power continuous innovation and accelerate
growth in the digital world. Today, Finacle is the choice of banks
across 84 countries and serves over 547 million customers –
nearly 16.5 percent of the world’s adult banked population.
Finacle solutions address the core banking, e-banking, mobile
banking, CRM, payments, treasury, origination, liquidity
management, Islamic banking, wealth management, and
analytics needs of financial institutions worldwide. To know
more, visit www.finacle.com
