#PAY

Dr. Mirek Sopek, Founder, LEI.INFO - More Than an LEI Finder

An episode of #PAY

By Bruce Burke
#PAY is focused on the next decade of banking, fintech & payments.

#PAY Symposium & Exposition will take place August 20 - 21, 2019, with events being staged at Caesars Palace, Las Vegas.

The Mandalay Group expects more than 2,200 professionals representing a wide range of industry sectors, to be in attendance at #PAY Symposium & Exposition.

With 90+ Exhibitors, 60+ Speakers and over 50,000 square feet of conference and exhibition space, this promises to be a groundbreaking event for the entire payments industry.

Emerging Fintechs will battle it out to see who wins our Startup Showcase!
More places to listen

More places to listen

Mark Thomas, Co-Founder & CEO, ZenSports | Peer-to-Peer Mobile Sports Betting
In this episode of the #PAY Podcast Bruce Burke speaks with Mark Thomas, Co-Founder & CEO, ZenSports. Mark is a serial entrepreneur with experience founding tech startups and other businesses. Most recently, he was the Co-Founder & CEO of Reesio, a VC-backed startup within real estate technology that was acquired by Realtor.com in 2015. Mark does everything for ZenSports except coding, including Product Management, User Experience Design, Marketing, PR, Sales, Recruiting, HR, Finance, and Accounting. ZenSports is a mobile peer-to-peer sports betting marketplace where anyone can create and accept sports bets with anyone else in the world, without the need for a centralized bookmaker. ZenSports uses its own SPORTS cryptocurrency utility token to give bettors a cheaper, faster, and more trustworthy process for wagering on sports than traditional online sportsbooks offer. SPORTS can also be used to earn discounts, rewards, and other perks within the ZenSports ecosystem, such as discounted betting fees and cash back bonuses. By utilizing blockchain smart contracts and a defined token economy, ZenSports is able to offer a fully decentralized betting platform. Bettors can self-report betting results and dispute results that they don't agree with. Disputes are resolved by a voting marketplace via a token reward system using SPORTS. With social features such as group chat, instant messaging, live streaming, and sharing stories, ZenSports is removing the stigma around sports betting, and helping to simultaneously expand the market. ZenSports has a native iOS and Android app that you can download today to begin betting on sports! Please note that our sports betting marketplace and SPORTS utility token are currently only available to residents outside the United States (i.e. non-U.S. persons). Customers within the United States may only view sports odds and data within the app, but can't place any bets and can't buy or use our utility token. Create your own sports bets on your terms that others accept Want to bet that Lebron James will score 18 points in his next game at 20:1 odds, or that Manchester United will get shut out the rest of the season at 100:1 odds? Go for it! Accept any kind of sports bet imaginable from others in the world. If you don't feel like coming up with your own bets and terms, simply accept anyone else's bet with just a couple taps of a button. With a very creative group of bettors out there, you're bound to find bets being offered that traditional sports books don't have! Makers submit results; takers can submit disputes; marketplace can vote on disputes ZenSports is a fully decentralized marketplace that lets the Makers of bets submit their own bet results. Takers of bets can dispute the Makers' results, with the Marketplace getting to vote on any disputed results. An escrow, penalty, and rewards system ensures that all parties act in good faith. Manage funds, transactions, and bets all in one place Deposit or withdraw our SPORTS utility token, Bitcoin, or USD directly into or out of your ZenSports account. View and manage all bets and transactions in real time and in any of these currencies from our easy-to-use dashboard. In addition to betting with Bitcoin or fiat (USD), ZenSports now offers its own cryptocurrency utility token called SPORTS for betting and paying fees with. When you place bets with SPORTS, you'll pay discounted betting fees, get cash back for reaching certain betting volumes, and earn bonuses for performing other actions.  Learn How ZenSports Decentralized Betting System Works: https://docsend.com/view/9s7wf9b https://www.zensports.com
47:55
August 28, 2019
Dr. Mirek Sopek, Founder, LEI.INFO - More Than an LEI Finder
In this episode of the #PAY Podcast Bruce Burke speaks with Mirek Sopek, Founder & President, LEI.INFO   Dr. Sopek holds a PhD in Theoretical Chemistry. He initially started his career as an assistant professor and lecturer at Technical University of Lodz, Poland, teaching molecular modeling. Later, after redirecting his interest toward digital technologies, he taught e-commerce and cryptography. In 1989 he founded Makolab. This was his “fall of the Berlin Wall” moment. Later he spent many years at Hypercube Inc in Canada and in the US. After returning to Makolab, in 2007 he led the company through successful IPO on Warsaw Stock Exchange. Then, again in the US he formed Chemical Semantics, Inc. (2014) and MakoLab USA Inc. (2016). In 2018 he created LEI.INFO as a startup in the digital identity space. He is now a specialist of semantic technologies and sophisticated blockchain solutions (like GraphChain and Quantum Blockchains) and is now leading the applications of these novel technologies to the digital identification and authentication markets.  About LEI.INFO LEI.INFO is the supplier of trusted data and identification services based on the LEI system for businesses from around the world. The LEI system is a global identification system designed for the unambiguous and credible identification of Legal Entities participating in financial transactions across global markets Our Mission The LEI code provides the most fundamental information about a legal entity by answering two basic questions: “who is who” and “who owns whom”.  LEI.INFO’s services solve two fundamental problems: How to obtain reliable Information about other companies (KYB services) and how to securely identify the user’s company to others (authentication services) in the digital world through the application of LEI secure data.  For more information on LEI.INFO visit www.lei.info Dr. Sopek will be moderating a panel on digital identity along with Heather Dahl of Sovrin and other experts at the upcoming #PAY Symposium & Exposition. #PAY is being held August 20 - 21, 2019 at Caesars Palace, Las Vegas.  Dr. Sopek will also be pitching his Graph Chain concept in the #PAY Startup Showcase. 10 early stage startups will battle it out to see who wins the coveted Purple Hashtag Award and the Dell Prize Package. www.paysymposium.com\showcase Register today with code SAVE for a 30% discount from standard registration pricing. at www.paysymposium.com 
42:47
August 15, 2019
Chris Butler, Chief Product Architect, IPsoft - Globally Connected AI
In this episode of the #PAY Podcast Bruce Burke speaks with Chris Butler, Chief Product Architect, IPsoft.  Chris Butler is IPSoft's Chief Product Architect focusing on Amelia IPsoft’s conversational agent.  ​Chris has over 19 years of product and business development experience at companies like Microsoft, KAYAK, and Waze.  ​At Philosophie (AI design, research, and prototyping) he created techniques like Crazy Eights with randomization, Empathy Mapping for the Machine, and Confusion Mapping to create cross-team alignment while building products. IPsoft is one of the sponsors of the Networking Reception at #PAY Symposium & Exposition, August 20, 2019 from 7:00 - 9:00 PM Register today with code SAVE for a 30% discount from standard registration pricing. Meet Chris and learn more about the fascinating world of conversational agents during Chris's presentation at #PAY. Reserve your seat now at www.paysymposium.com About IPsoft IPsoft makes it possible to transform business performance through the employment of digital labor. Every day we automate thousands of IT and business processes for enterprises across a wide range of industries. IPsoft is the leader in Enterprise Artificial Intelligence (AI), cognitive and autonomic solutions and the home of Amelia, the industry’s most-human digital AI colleague. Amelia’s ability to learn, interact and improve over time makes her the market’s only AI that can fully understand user needs and intentions. Get to know Amelia Amelia can be trained to recognize words and phrases in several languages. She delivers real-life business benefits including lower operating costs, higher customer satisfaction and increased employee productivity.  IPsoft was the first company to launch an end-to-end digital platform, 1Desk™, to deliver shared enterprise services. By connecting front-office conversations to back-end systems, IPsoft automates business processes that serve employees, customers and citizens, resulting in rapid resolutions, satisfied users and substantial organizational savings. IPsoft is a disruptive technology company, pioneering innovation in the development and delivery of autonomic and cognitive technologies. From our inception, our founders recognized that automation through digital labor will shape the future of IT and business operations. Inspired by the great minds of the past, we relish the challenge of making what others believe impossible a reality. Our company’s mission is to power the world with intelligent systems, eliminate routine work and free human talent to focus on creating value through innovation. Every day we apply ourselves to transforming our clients’ IT and business operations for competitive advantage. Through a combination of our technology platforms and our services, IPsoft guarantees predictable business benefits through intelligent automation. Whether your primary goal is to increase quality and speed of service, drive up productivity, enable profitable growth, reduce risk or rapidly reduce operational costs, IPsoft can ensure you attain industry-leading benchmarks of performance. Automation. IT operations. Driven by conversational AI. As the largest privately-owned AI company, we have two decades of experience building automation solutions that solve real business problems.  We can increase your IT efficiency by 30% in 90 days. Our clients realize, at minimum, a 60% reduction in mean time to resolution. Learn more about IPsoft's Amelia and OneDesk and Globally Connected AI for any Business by visiting their website at www.ipsoft.com
44:09
August 3, 2019
Wes Miller, CEO, Finigree - How Money Should Move
In this episode of the #PAY Podcast Bruce Burke speaks with Wes Miller, CEO, Finigree, a fresh face in fintech landscape. Finigree is a rebranding and enhancement of the ATS Secured Platform. Wes and company are debuting their new brand at #PAY Symposium & Exposition. Meet Wes and learn how banks are using this multifunction platform to keep their users and themselves secure with a user friendly interface and controls.  About the ATS Secured Platform When technology puts people first, incredible things happen! The ATS Secured smart network is a first-of-its-kind social experience that puts the user back in the spotlight. Our product artisans and master engineers have worked tirelessly to redefine what a social network should be:  A platform that puts control of data back in the hands of its owners, that provides sophisticated functionality for elevating business and interpersonal relationships, and that does so in an environment founded in trust and integrity. Wes Miller co-founded ATS Secured, LLC, a financial services software company headquartered in Omaha, Nebraska.  ATS Secured believes data should be owned and controlled by the data owners. The company’s Smart Network functionality brings this concept to life, allowing trusted parties to own and control their information inside a secure environment, and safely exchange data, documents and dollars.   It can be used like other social networks to connect with individuals and businesses.  This functionality is made possible through ATS Secured’s Plexigram – similar to block chain, but with persistent verified identities and without miners.   With the Smart Network, businesses save time and money on the decision-making, account opening and onboarding processes, while adding another layer of security via data and identity validation for all parties in the ecosystem. An App for Every Occasion Our smart network applications give you the tools you need to take on your day: from the powerful document storage and collaboration management functionality of our Documents application to our hyper-easy-to-use App Builder, which allows you to define shareable, all-digital applications in minutes. No matter what challenge you face, ATS Secured has an app to solve it. A commitment to you — here and everywhere that follows ATS Secured is committed to you and the liberties you deserve. And this commitment is more than just a pledge; it's weaved throughout our entire technical infrastructure. Combined with our smart network, ATS Secured's distributed ledger technology makes it possible for you to control how your data gets shared, to have transparency into each use of your data, as well as to determine through which provider you choose to access our network. Reclaim control of your digital destiny Use Case  Real Estate Digital Disbursements Payee Verification Secure Doc Storage Healthcare Account Onboarding Relationship Management Electronic Invoicing Startups Back Office Automation Team Collaboration Secure Doc Storage Banking Account Onboarding Relationship Management Wire Validation Get in Touch www.atssecured.com 1 (855) 502 – 2202  sales@atssecured.com Made with ❤️ in Omaha
33:37
July 26, 2019
Betsy Irizarry, Founder, FreshTilt Partners - BUSINESS AGILITY FOR A COMPETITIVE EDGE
In this episode of the #PAY Podcast Bruce Burke speaks with Betsy Irizarry, Founder of FreshTilt Partners.  Business agility is the ability to nimbly respond to your customer's needs and market opportunities as a matter of course.  And, to do so with engaged, empowered employees.   So how do you get there?  At FreshTilt, we will start by getting to know your story and your goals. Then, we will work with you to carefully craft a plan which draws from a range of practices and approaches to help you move forward on your journey. We will partner with you to actively inspect and adapt the plan as we learn along the way.  Betsy is a coach, consultant, trainer, and empathetic partner for your journey. After working closely with you to understand your goals and challenges, She draws from a range of practices and tools across the fields of Design Thinking, Agile, Lean, and scaled agile/SAFe. Betsy and her team use a highly facilitative approach with frequent feedback loops to help you achieve your goals.  Your journey is unique.  We respect that. ​Our aim is to understand your vision within the context of your bigger story.  Then, we can we can help you forge a fresh path forward. Our team draws from a diverse range of experiences and techniques from the fields of Business Agility, Design Thinking, Agile, Scaled Agile, Scrum, Kanban, Lean, and more. We use an empathetic and facilitative approach to help you achieve your goals. We listen carefully and partner closely. We strive to develop an understanding of your unique organizational dynamics. Then, we work with you to identify and implement effective approaches toward your transformation goals. FreshTilt Partners service offerings include: Business Agility Consulting From strategic planning through tactical execution, we can help you find ways to achieve greater agility. Coaching and Facilitation Transformation coaching at the team, program, portfolio, and enterprise levels. Training We can deliver industry standard Agile, Scrum, Kanban, and Scaled Agile Framework (SAFe) training to your teams.  Or, we can create customized, targeted training for your specific needs. Customized Workshops We can develop and deliver engaging, impactful workshops to help you dig deeper and collaborate.  Let's find your fresh perspective! Connect with Betsy and her team at https://www.freshtiltpartners.com ----------- Don't miss Betsy's workshop on Monday August 19, 2019 during the #PAY Pre-Conference day events.  BUSINESS AGILITY FOR A COMPETITIVE EDGE This interactive workshop will guide participants through an exploration of agile practices which can help them nimbly respond to change and scale business outcomes. This two-hour session will be highly engaging and hands-on as we walk through a series of concepts and tools that can help you maximize your time, talent, and resources.   Attendees will explore how organizations of all sizes can use agile approaches to embrace change for their competitive advantage as they deliver excellent customer experiences on a regular, rapid cadence. This workshop will provide attendees with foundational agile knowledge as well as a set of practical tools they can carry forward into their work. Learn more and register today at https://www.paysymposium.com/pre-conference  Betsy will also be one of our judges of the Fintech Startup Showcase - with ten startups pitching to win the Golden Hashtag Award!  Register Using Code SAVE For A 30% Discount!
22:04
July 6, 2019
Areiel Wolanow, Managing Director, Finserv Experts | Unlocking Investment in Blockchain Projects
In this episode of the #PAY Podcast Bruce Burke speaks with Areiel Wolanow, Managing Director of Finserv Experts. An independent consulting firm offering both advisory and solution delivery expertise in Blockchain, Machine Learning, Financial Inclusion & Agile DevOps Adoption. Finserv Experts consultants regularly speak at conferences and workshops around the world, from local community meetups to major global summits like the G20. Recent appearances include the Insurance Institute of London, The Future of Blockchain Summit in Dubai, UK Parliament - Parliamentary Blockchain Showcase and Blockchain Technology World in London. Areiel Wolanow is a globally recognized thought leader in blockchain, machine learning, and financial inclusion.  He is currently the Managing Director of Finserv Experts, his clients have included HSBC, Bank of America, Lloyd’s of London and Deutsche Telekom.  Areiel is an active advisor to the UK government on blockchain regulation and adoption. Areiel is conducting a masterclass on Monday, August 19, 2019 as one of the pre-conference events of the #PAY Symposium & Exposition at Caesars Palace, Las Vegas. Register today for Unlocking Investment in Blockchain Projects and learn how to get your startup or project the resources it needs to become successful.  In this masterclass Areiel Wolanow will share the approach Finserv Experts uses to help its clients successfully get projects funded.   Areiel will start by walking through a real-world business case that has unlocked investment in a DLT prototype for one of the world’s most well recognized financial markets. Finserv Experts has developed a methodology on how to articulate the business benefits of blockchain and DLT solutions in a way that investors and board members will understand. The biggest challenge in raising money for new blockchain solutions – both for startups and established enterprises – is articulating the benefits that the new solution will deliver.   Quantifying these benefits can be quite difficult; in many cases the business models are so new that there aren’t reliable reference cases on which to base benefit realization estimates. The group will break into smaller teams and receive real-world experience developing a DLT business case.  Attendees will take away the business case template developed for use on their own projects. Some of the projects that Areiel and the Finserv Experts have developed include Lloyds of London, HSBC, Merrill Lynch and the Monetary Authority of Singapore, the Commerical Bank of Africa and many more. At Lloyd’s of London, Areiel served as the delivery leader and overall solution architect for the successfully delivered DLT-enabled trade settlement and claims agreement prototype programme.  Much of Lloyd’s post-settlement processing remains as paper based as it was when Lloyd’s became the world’s leading insurance market in the early 1700’s.   This prototype enabled the London Market Target Operating Model  programme envision a solution in which the transaction accounting, claims agreement, net settlement, and reporting functions are digitized and automated via a transparent, immutable, blockchain-based ledger. Areiel worked with Bank of America, HSBC, and the Monetary Authority of Singapore to lead the development of a working blockchain prototype for letter of credit origination.  This was IBM’s very first commercial consulting engagement for blockchain, and successfully delivered on time. Areiel worked with Commercial Bank of Africa to lead the development of a machine learning based credit scoring solution for loans issued over mPesa, Kenya’s world leading mobile payments solution.  For more information on Areiel's masterclass visit: https://www.paysymposium.com/pre-conference
47:38
June 9, 2019
Antony Welfare, Author of Commercializing Blockchain: Strategic Applications in the Real World
In this episode I speak with Antony Welfare, Managing Director Blockchain Practice at Luxoft.  Antony is launching his new book, Commercializing Blockchain: Strategic Applications in the Real World with the worldwide release party at #PAY Symposium & Exposition.  #PAY is proud to welcome Antony to the stage for a premier presentation where he'll share key strategies, insights and implementations from his new book.  With contributions from 13 different experts, chained together by Antony, this book promises to be the executive strategy handbook for the next decade. Join us at Caesars Palace on August 20 - 21, 2019, meet Antony in person and glean strategies for the future. Commercializing Blockchain: Strategic Applications in the Real World A practical and easy-to-understand guide to blockchain, this timely book illustrates how this revolutionary technology can be used to transform governments, businesses, enterprises and entire communities.  The author draws from his experience with global retailers, global technology companies, UCL Centre for Blockchain technologies, the government of the UK, Retail Blockchain Consortium and many other sources to present real-world case studies on the use and benefits of blockchain.  Topics include financial transactions, tokenisation, identity management, supply chain transparency, global shipping and freight, counterfeiting and more. Provides practical guidance for blockchain transactions in business operations Provides practical guidance for blockchain transactions in business operations Demonstrates how blockchain can add value and bring increased efficiency to commercial operations Covers all of the essential components of blockchain such as traceability, provenance, certification and authentication Requires no technical expertise to embrace blockchain strategies Commercializing Blockchain: Strategic Applications in the Real World is ideal for enterprises seeking to develop and deploy blockchain technology, particularly in areas retail, supply chain and consumer goods.  The accessible, non-technical guide to applying and benefiting from blockchain technology. Blockchain has grown at an enormous rate in a very short period of time. In a business context, blockchain can level the playing field between small and large organisations in several ways:  Exact copies of the immutable, time-stamped data is held by all parties, all transactions can be viewed in real time, data blocks are cryptographically linked, all raw materials are traceable and smart contracts ensure no middle-men, ease of audit and reduced friction.  The trust, transparency, security, quality and reduced costs of blockchain make it a game-changing technology that crosses sectors, industries and borders with ease.  Even though the technologies are ready for adoption, businesses remain largely unaware of their full potential and effective implementation.  End users require accurate and up-to-date information on the practical applications of blockchain — Commercializing Blockchain provides it. Register Today for #PAY Symposium & Exposition, August 20 - 21, 2019 - Caesars Palace, Las Vegas - www.paysymposium.com  Connect with Antony Welfare on LinkedIn - Antony's Profile | Connect with Luxoft - Luxoft Website | Subscribe to the #PAY Podcast! #pay #podcast #blockchain #luxoft #antony #welfare #commercializing #book #guide #applications #supply #chain #enterprise #implementation #costs #data #authentication #audit #business #transactions #counterfeit 
50:53
May 21, 2019
Chris Zhong & Renee Yang | Blockchain Philanthropy Foundation (BPF) | Maximizing social impact globally through utilizing blockchain's ability to reshape communities.
On this episode of the #PAY Podcast: Bruce Burke and Ashok Venkatraman of #PAY Symposium welcome Chris Zhong & Renee Yang of the Blockchain Philanthropy Foundation (BPF). Blockchain Philanthropy Foundation is a not-for-profit organisation founded in 2017 with a mission to enable and accelerate humanitarian initiatives worldwide through blockchain technology. https://philanthropyblockchain.org Their organization empowers charities, not-for-profit’s and philanthropists to leverage the power of blockchain to maximise their reach and impact in the global communities they serve. Maximizing social impact globally through utilizing blockchain's ability to reshape communities. Chris and Renee will both be at the #PAY Symposium & Exposition August 20 - 21, 2019 at Caesars Palace Las Vegas. Chris Zhong will be moderating a panel of blockchain experts and will discussing how blockchain can be used to generate social impact, driven by the three pillars: Education, Partnerships and Research & Innovation. BPF Blockchain Education This is a blockchain education course designed with philanthropists in mind.  Created by a team experienced in blockchain technology and research, this course will not only provide a detailed overview of blockchain technology, but also help our partners understand why it could be a great tool for their philanthropic organizations.  BPF Research and Advisory Research is especially important to early-stage technologies like blockchain as validation is needed to determine whether it can truly drive impact. Through a series of research articles, we examine the viability of using blockchain technology in a number of sectors including charitable giving, voting and energy.  By looking at real-world case studies of companies currently using blockchain technology, we can help companies navigate the use of this technology. To explore topics we’ve researched, check out our articles on using blockchain technology for charitable giving and election voting. BPF Technology We have been working on a cryptocurrency donation platform which will feature our NFP Alliance partners and allow users to make cryptocurrency donations to charities globally. Through this donation platform, we hope to bring awareness of cryptocurrency as another avenue for not-for-profits to receive support. We expect our donation platform to go live in the first half of 2019. Our Team Blockchain Philanthropy Foundation is comprised of industry leaders and experts across many fields including blockchain, technology, education, finance, and marketing. We are united by our enthusiasm for blockchain technology and believe in its potentials for creating change globally. Meet our team at #PAY Symposium & Exposition being staged August 20 - 21, 2019 at Caesars Palace, Las Vegas. Work with us We are always on the lookout for like-minded innovators to join our growing team of blockchain experts, design-gurus and multi-skilled professionals. We are a team of volunteers who are driven by the vision of utilising blockchain technology to solve complex issues in our society. If you are passionate about technical and social innovation, then we want to hear from you! Reach out to us at hello@philanthropyblockchain.org.
46:31
April 16, 2019
WorldWatch Plus Founder & CEO, Chuck Papageorgiou | Topics: Know Your Customer (KYC), Anti-Money Laundering (AML) & More
Chuck Papageorgiou is the Founder & CEO of WorldWatch Plus - The next generation Know Your Customer (KYC) due diligence, Anti-Money Laundering (AML), and fraud risk mitigation solution for operations, compliance, and risk managers.  WorldWatch Plus provides a secure and easily-integrated KYC/CDD compliance solution through a platform that significantly reduces fraud and reputation risks while lowering operational costs.  Chuck shares with Bruce Burke about the past, present and future of WorldWatch Plus. What differentiates them from traditional and legacy providers and what makes WorldWatch Plus four times faster with the accuracy you expect. For more information www.worldwatchplus.com Chuck will be presenting at our upcoming #PAY Symposium & Exposition, being staged August 20 - 21, 2019 at Caesars Palace, Las Vegas. We'll be announcing Chuck along with the others in our first round speaker announcement on April 2, 2019. Register at www.paysymposium.com
40:59
March 28, 2019
SnapCheck CEO Ken Kruszka | Topics: JPMCoin, Faster Payments & More
Ken Kruszka is the CEO of SnapCheck - Paperless digital check technology for B2B electronic check payments. Providing fast, secure, cost effective paperless e-check payments for enterprise. Check out SnapCheck today at www.gosnapcheck.com  Ken speaks with Bruce Burke about the new JPMCoin, Citigroups abandoning of their blockchain efforts, faster payments and more. Ken will be participating in our upcoming #PAY Symposium & Exposition being staged August 20 - 21, 2019 at Caesars Palace, Las Vegas. We are curating our first round of speakers and will announce the first round at the end of the March.  For information and registration visit www.paysymposium.com 
58:46
March 22, 2019
#PAY Symposium & Exposition | August 20 - 21, 2019 | Caesars Palace, Las Vegas
This first episode is intended to provide an introduction and overview of our upcoming #PAY Symposium & Exposition. We have opportunities for speakers, sponsors, exhibitors and workshops. Find out more today at www.paysymposium.com
04:38
January 28, 2019
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