Authorised Push Payment Fraud Mitigation: The Role of Data and Information Sharing

Authorised Push Payment (APP) fraud has been increasingly steadily, with many of the common types originating on social media and the internet. Combatting and mitigating APP fraud will require cooperation across financial institutions and tech and telecoms companies, with data and information sharing playing a key role. Recent UK legislation aims to facilitate data and information sharing to combat fraud and privacy enhancing technologies (PETs) provide technical solutions to enable better understanding and widespread sharing of fraud intelligence that enable data protection and privacy.

Read the research

Safello and Zumo Partner to Elevate Crypto Sustainability Compliance in Sweden’s Crypto Sector

Swedish cryptocurrency exchange Safello has partnered with Zumo, a leading digital assets platform specialising in carbon calculation and sustainability reporting. This strategic alliance is designed to help Safello meet the rigorous sustainability disclosure requirements set by the EU’s Markets in Crypto-Assets Regulation (MiCAR).

As MiCAR’s Article 66 comes into effect, crypto asset service providers (CASPs) operating within the EU must publicly disclose the environmental impacts of the digital assets they offer. With this collaboration, Safello proactively addresses this requirement, positioning itself as an early adopter of sustainability best practices in the cryptocurrency industry.

Zumo’s expertise will provide Safello with precise, transparent data on carbon emissions associated with crypto activities. This partnership allows Safello to meet regulatory standards and to strengthen trust among its stakeholders by demonstrating an active commitment to sustainability.

Tara Abid, Chief Compliance Officer at Safello, commented,

“Compliance is central to our business strategy. Our partnership with Zumo ensures we can deliver accurate sustainability data to our customers, maintaining our leadership position in regulatory alignment and transparency.”

Nick Jones, Founder and CEO of Zumo, said,

“Safello’s choice to partner with us highlights the increasing importance of sustainability reporting in crypto. Our Oxygen product suite enables businesses like Safello to align digital asset operations with net-zero targets and comply effectively with evolving EU regulations.”

With Sweden’s Financial Supervisory Authority mandating compliance with MiCAR by 30 September 2025, Safello’s proactive partnership with Zumo represents a forward-thinking step toward sustainability integration within the crypto sector.

For further details or to explore collaboration opportunities, contact Zumo

The Cashless Society: Are We Ready for a Digital-Only Payment World

Season 5, episode 4

Listen to the full episode here.

The global shift towards digital payments is accelerating, with cash usage declining year after year.

From contactless transactions to mobile wallets and cryptocurrency, digital payments are reshaping the financial landscape.

Are businesses and consumers fully prepared for a digital-only economy? What are the risks of excluding those who rely on cash? With 1.2 million people in the UK still reliant on cash, concerns around financial inclusion, cybersecurity, anddigital resilience remain.

In this episode, we examine the implications of a cashless future, hear expert insights on the opportunities and challenges, and discuss whether the world is truly ready toleave physical money behind.

Guests:

Craig Forsythe – CEO and Founder at Giftround
Chris Elsden – Chancellor’s Fellow in Service Design at Institute for Design Informatics & Edinburgh Futures Institute
Neil Collman – Design Director at Nile

Scotcoin makes its debut on the MEXC cryptocurrency exchange

Scottish fintech Scotcoin made its debut on the MEXC cryptocurrency exchange. With a combined token valuation of $250 million (£200 million) and a trading paired with Tether (USDT), the world’s most liquid stablecoin, this listing represents a major development for the ethically driven digital currency.

Scotcoin isn’t just another token on the blockchain. It’s a mission-driven movement, with a firm commitment to social good, sustainability, and financial inclusivity. Scotcoin is setting itself apart by proving that digital assets can be a force for positive change.

What This Means for Scotcoin and Its Community

Being listed on MEXC, a top 20 global exchange with an average daily trading volume of $3 billion, will provide greater accessibility, liquidity, and credibility for Scotcoin. This move paves the way for mass adoption, allowing thousands more individuals, businesses, and charities to integrate Scotcoin into everyday transactions.

The listing is also a catalyst for expansion. Funds raised will be channelled into recruiting a dedicated full-time management team for The Scotcoin Project Community Interest Company (CIC). This will supercharge efforts to expand the Scotcoin ecosystem, developing partnerships with organisations that accept Scotcoin as a form of payment for goods and services.

A Crypto With a Cause

Unlike many cryptocurrencies that focus purely on speculation, Scotcoin’s vision is linked to community impact. Since its inception, it has backed initiatives providing food, clothing, and shelter to those in need. This next chapter will see Scotcoin directly distributed, via approved agencies, to third sector groups and vulnerable communities, ensuring that blockchain technology serves real-world humanitarian needs.

With over 6,000 holders globally and a growing number of charitable partnerships, Scotcoin is proving that crypto can be about more than just profits, it can be about people.

Commenting on this milestone, Temple Melville, CEO of The Scotcoin Project, said:

“This listing is a huge step forward in our journey. It not only increases accessibility for individuals, businesses, and charities, but also allows us to build a stronger, purpose-driven ecosystem. With a dedicated team, we can now focus on expanding partnerships and—most importantly—providing greater support to those in need.”

What Existing Scotcoin Holders Need to Know

To ensure a smooth transition, existing Scotcoin holders must exchange their old tokens for new ones before trading. Full details on how to do this securely are available on the official Scotcoin website: scotcoinproject.com

New Centre of Excellence for digital trust launched by Scottish industry leaders and academic experts

Leading experts in technology and finance have joined together to launch a new Scottish Centre of Excellence for digital trust – which will aim to make the digital world safer and more resilient.

Edinburgh Napier University (ENU) will host the Scottish Centre of Excellence in Digital Trust and Distributed Ledger Technology, in collaboration with the University of Edinburgh, University of Glasgow and Fintech Scotland, and thanks to initial funding from Scottish Enterprise.

The Centre is part of a wider aim to position Scotland as a global leader in digital trust innovation, supporting a range of industries from financial services to healthcare and beyond.

As more infrastructure, data and transactions move online, digital trust technology has an increasingly important role to play in in building resilience and security, while guarding against threats like cybercrime.

By being industry-led, the Centre will look to solve real-world challenges in digital trust and distributed ledger technologies, delivering immediate benefits to the financial services sector and beyond. The team behind the project hope it will go on to support new start-up and spin-out companies, while working alongside established firms.

Based at ENU, the Centre will bring together two other leading digital trust technologies research labs at the Universities of Glasow and Edinburgh.

Developed alongside FinTech Scotland, the Centre’s plan has an initial two-year focus on delivering, innovation, actionable research and skills training to support industry led research calls around areas such as digital payments, digital assets and digital identity.

Professor Bill Buchanan from ENU’s School of Computing, Engineering & the Built Environment, and Director of the Centre, said:

“Scotland has the opportunity to lead the way when it comes to digital trust technology.

“We have digitised a great deal of our work, but many aspects of privacy, security and resilience still need to be fully understood.

“Advances in computing technology will see many of our existing methods of establishing digital trust facing a range of risks, making the work of this Centre all the more significant.”

Nanik Ramchandani, CEO of the Centre, said:

“This is a significant step forward in Scotland, and will help build a solid foundation towards enhancing digital trust.

“In a world where the dark side of AI is making it impossible to distinguish between the real and not, continued innovation to strengthen trust using privacy preserving technologies is essential”.

Nicola Anderson, CEO of FinTech Scotland, said:

“The new Centre for Excellence in Digital Trust is another important tool that helps us showcase Scotland’s leadership in fintech and digital innovation.

“This initiative complements the FinTech Research and Innovation Roadmap, developing new technologies that will shape the future of finance and the wider economy.”

Derek Shaw, Director, Scaling Innovation at Scottish Enterprise, said:

“Scotland has global competitive advantages in several industries, including fintech.

“Establishing a Centre of Excellence in Digital Trust Technologies builds on the country’s strength in this area by developing an environment that encourages collaboration between industry and academia with the aim of creating new disruptive technologies and, ultimately, investment opportunities, scalable businesses and jobs.”

Professor Aggelos Kiayias, Chair in Cyber Security and Privacy at the University of Edinburgh, said:

“At the blockchain technology laboratory of the University of Edinburgh, we are excited to contribute to the establishment of the Digital Trust Centre of Excellence.

“It represents an important step in advancing secure and trustworthy technologies in Scotland and addresses pressing societal and industry challenges that are of worldwide relevance and importance.”

Professor Muhammad Imran, Head of School at the University of Glasgow’s James Watt School of Engineering,said: “

This initiative comes at a crucial moment, as digital trust becomes the cornerstone of our digital future. It will support our commitment to ensuring the resilience, security, and widespread adoption of transformative technologies.

“At the University of Glasgow, we will contribute our expertise to this crucial initiative, driving innovation that will shape industries and improve lives globally.”

Initially running for a two-year period, the Centre of Excellence will bring together the expertise of ENU’s Blockpass ID Lab, the Blockchain Technology Lab from the University of Edinburgh, and the University of Glasgow’s Trustworthy Connected Systems Lab.

During that time, it will aim to create a world-leading capability for knowledge exchange, innovation and skills development that translates into increased jobs, talent, company creation and economic development in Scotland.

While the Centre is based at ENU, its scope and ambition extend across the UK and beyond. It is a hub for innovation that will support sectors as diverse as finance, energy, healthcare, and public services.

The Centre’s aims align closely with the 2022 FinTech Research and Innovation Roadmap published by FinTech Scotland, which highlighted the importance of advancing technologies in digital payments, digital identity and secure digital assets, as well as the UK Digital Identity and Attributes Trust Framework.

The Centre also responds to ambitions within the Scottish Blockchain Roadmap, which was published by the Digital Trust Taskforce in 2023 in response to a report highlighting a £4.3bn opportunity for Scotland through the adoption of blockchain technologies. The roadmap is focussed on generating demand-led innovation to drive adoption across Scotland’s future industries, including financial services, energy, manufacturing and health. It will see organisations work with the Centre to unlock innovation from trust technologies across Scotland.

Financial Regulation Innovation Lab – Exploring the intersection of quantum computing and the finance sector

As part of the 4th FRIL theme focusing on innovation to address financial crime, the FRIL team along with Alliance for Research Challenge in Quantum Technologies (Quantum ARC) and Technology Scotland hosted a roundtable to explore and catalyse the opportunities present now and in the near-future between quantum computing and the finance sector.

The discussion spanned a broad range of topics at the intersection of quantum and finance, with various opportunities and risks highlighted. Within these opportunities and risks, the discussion emphasised the critical need in thinking in relation to economic crime and fraud, which we look forward to progressing through the 4th FRIL programme currently live focusing on ‘innovation to address financial crime’.

What is Quantum Technology and the risks it presents?

McKinsey states quantum technology could create value worth trillions of dollars within the next decade with the finance sector identified as a sector that could see the earliest impact, however the concept remains relatively unknown to most. The term quantum technology broadly relates to science that applies quantum mechanics to a given field of technology, and refers to a subset of fields such as quantum computing, quantum sensing, quantum imaging, or quantum communications.

For the purposes of this blog, we will be focusing on quantum computing, which utilises qubits, concisely summarised by the World Economic Forum as –

Quibits are the equivalent of a classical bit, and the most fundamental unit for encoding information. Where a bit can be in a state of either on or off (0 or 1), a qubit can be in either 0 or 1 – or a combination of both. This is because of a superposition effect in quantum theory, which means that particles can exist simultaneously in multiple states.

In practice, this means not only can quantum computing provide a significant performance boost in processing, but it also has the potential to solve complex problems much faster than even the most powerful supercomputers today.

Whilst this kind of revolutionary power could deliver numerous opportunities for the finance sector, the risk rapidly materialises when considering public-key cryptography (PKC), which the security of nearly all Internet communications today is based on. The underpinning security of PKC relies on the difficulty of the mathematical problems and the challenge in which classical computers have in solving them. However, solving these mathematical problems with a general purpose quantum computer is considered easy, with Shor’s algorithm demonstrating this capability back in 1994, the challenge being that the power capabilities of a quantum computer to run the algorithm do not yet exist.

As highlighted by the NCSC, although advances in quantum computing technology continue to be made, quantum computers today are still limited, and suffer from relatively high error rates in each operation they perform. For organisations, however, this risk remains a priority for the thinking of today as bad actors are adopting a ‘harvest now, decrypt later’ approach to collect valuable, sensitive data in anticipation of power capabilities being on the horizon.

What is the current regulatory landscape at the intersection of quantum computing and the finance sector?

Regulatory agencies worldwide are battling with the balance between technology readiness levels and appropriate regulation or standard setting in relation to developments.

In October 2024, the UK Govt agreed with recommendations made by the Regulatory Horizons Committee (RHC – commissioned by DSIT to review the future needs of quantum technologies regulation to support innovation and growth) ‘that it is too early to establish regulatory requirements and legislation for quantum technologies at this stage given the nascency of the sector, but sustained action is required now to increase regulatory capability and enable a sector- and application-specific approach to regulating quantum technologies in the future’. When considering the finance sector specifically, the UK’s Financial Conduct Authority has demonstrated its position as a leading voice in the quantum security domain through collaborative initiatives with the World Economic Forum, where research was published offering guidance for businesses and regulators to ensure a collaborative and globally harmonised approach to quantum security.

Looking further afield at the international landscape, momentum continues to evolve at pace, and earlier this year we also saw the US agency National Institute of Standards & Technology (NIST) finalised several post quantum encryption standards. With these standards, NIST encouraged large organisations, including those across the finance sector, to begin transitioning to the new standards as soon as possible. Regulatory authorities in Singapore have also recently launched a ‘Quantum Track’ within their Financial Sector Technology & Innovation Scheme (FSTI 3.0), with an additional S$100 million earmarked to support innovation in quantum and AI.

Despite this progress, participants in the discussion broadly agreed there is still a long way to go when assessing the regulatory and standard setting landscape of quantum.

How can we collectively progress successful collaboration around the exploration of quantum technologies?

The consensus of the discussion emphasised that the fundamental principles for continued collaboration span across the triple helix of engagement from industry, academia and regulatory colleagues, mirroring the principles that underpin the Financial Regulation Innovation Lab. Here at FRIL we will continue to actively convene stakeholders across these groups on topics that present both opportunities and risks in financial regulation, exploring how innovative propositions and ways of working can be progressed across the ecosystem.

Across the FinTech Scotland cluster there are various collaborative projects exploring the beneficial and responsible exploration of quantum technologies. One of which, highlighted by roundtable attendees, is the BT Quantum Key Distribution project. The NCSC outlines that Quantum Key Distribution (QKD) mitigates the quantum threat to key agreement using properties of quantum mechanics, rather than hard mathematical problems, to provide security. We look forward to continuing to engage with our partners in the BT team on their learnings throughout this programme and sharing insights across the cluster.

Challenges were highlighted around accessing and sharing data, which continues to be a barrier for innovators and researchers in this area. Discussion touched on the potential of synthetic data in aiding progress for development activities, and reference to the success of regulatory initiatives such as the FCA Digital Sandbox in already going some of the way to knock down these barriers. Risks were also highlighted around the danger that advancements in quantum could be dominated by existing major players in the market, further emphasising the importance of initiatives that support democratising the playing field for innovators in this space to enable competition and avoid monopolisation.

What’s next in the intersection of quantum and finance?

Reflections were made on the rapid evolution of AI, and the opportunities to respond differently as we look forward to the evolving risks and opportunities that quantum presents. These lessons range from the debate around explainability, and the potential opportunities quantum presents in this field, through to the pace at which regulation and standard setting is struggling to keep up with the technology.

There was a broad agreement across attendees that priority use cases for the finance sector in regards to quantum computing need refinement, with possibilities spanning from the use of quantum technologies by bad actors through to organisational adoption of quantum technologies. Attendees also highlighted the opportunities that can be explored with quantum technology as we look to areas such as open finance and the value that can be derived from this data to create beneficial and responsible innovation.

The FRIL Innovation to Address Financial Crime programme lays the foundations to begin testing some of this thinking, as evidenced through the roundtable and also the broader innovation call series, and we will continue to engage with experts across the ecosystem in the long term roadmap of FRIL focus areas. We are looking forward to engaging with innovators across the industry led use cases in this programme, exploring where potential quantum computing advancements may provide opportunities to more effectively tackle financial crime risks.

Interested in exploring more? The key contacts across the Financial Regulation Innovation Lab on this topic are:

Lauren Cassells, Research and Innovation Programme Manager (lauren.cassells@fintechscotland.com)
Gemma Milne, Research Associate, University of Glasgow (gemma.milne@glasgow.ac.uk)

The Rise of Digital Wallets

Season 4, episode 9

Listen to the full episode here.

In this episode of the Fintech Scotland podcast, host Mickael Paris discusses the rise of digital wallets with guests Tim Sabanov, Maxim Galash, and Bill Buchanan. The conversation explores the definition of digital wallets, the key drivers behind their rise, the role of digital identity, and the impact of regulation. The guests highlight the importance of education and strong use cases for mass adoption, as well as the potential of digital wallets to address financial inclusion for the unbanked population.

Unlocking Trust: Digital Wallets for Identity Verification and Asset Transfer

As part of Scotland FinTech Festival, the “Crypto FinTech Seminar” will outline some key areas of knowledge and innovation related to the usage of cryptography, blockchain, zero trust and quantum computers. We took some time to chat to Professor Bill Buchanan, who will be co-presenting the seminar along with Dr Mwarwan Abubakar, about the current trends and evolution of the digital assets space.

The fact that we still use our scribbled signatures and hard-copy contracts as a core method of proving our identity within high-value and high-risk transactions still amazes Bill Buchanan, Professor of Applied Cryptography at Edinburgh Napier University. Especially as these acts are often performed through the use of mainly untrusted communication systems such as electronic mail. “We still live very much with a paper-based approach to the ownership and the transfer of assets, and often see them poorly managed,” explains Buchanan. “Digital wallets can help solve this.”

Going forward, it is likely there will be a rise in the use of digital wallets, which can be used to transfer assets and – importantly – define ownership. A private key in a digital wallet can not only prove our identities, but also link to our ownership of assets, store our important digitally signed identity documents (such as our driving licence), and provide a way for us to digitally sign things. Improved methods of providing our identity will also likely include biometrics, hard tokens or our location information. At the core of this is public key encryption, which digitally transfers assets without the need for any network connection, and is a central component to moving into a more trusted digital world.

Nonetheless, a cautious equilibrium needs to be maintained between the rights of privacy and the requirements of compliance, such as with money laundering checks and fraud detection. While there are methods used in cryptocurrency that support a full anonymisation of asset transfers, it is unlikely that these would be allowed within a regulatory framework. “There are ways, though, to strike a balance between these things and instil strong levels of trust in transactions by using trusted financial organisations,” proffered Buchanan. “It is thus likely that we will see the rise of proxy entities (agents legally authorised to act on behalf of another party), who will shield the identities of those who are transferring assets, yet the transactions can still be fully checked.”

Going forward, regulation will be fundamental for providing trust, and licences will be needed to perform fully-auditable transactions. Overall, the key aim of the infrastructure behind digital assets must be for citizens to have a stronger integration with public services to move to a properly integrated digital world. “Unfortunately, without a strong identity infrastructure, we will struggle to scale our world into a more trusted one,” concluded Buchanan. “The EU, for example, now wants to roll out an e-ID digital identity for every European citizen, which will allow for closer economic and societal links across EU countries. This will support the freedom of movement across Europe and provide closer economic integration across borders.”

Embedded Payments: Paving the way for the future of business

Payments have always been the leading area of innovation for fintech companies in Scotland utilising open banking and embedded payments making it faster and more convenient to pay and transfer money both locally and globally. That is why Payments & Transactions was designated as one of the four key strategic priority themes of FinTech Scotland’s FinTech Research & Innovation Roadmap 2021-31.

Nick Adams, Director and Payments Experience Specialist at Modulr, spoke with us about how embedded account-to-account payments are enhancing the ability to seamlessly integrate payments into everyday experiences, enabling customers and businesses to make purchases without the need to input bank details, credit card or debit card information. Modulr is leading this category of B2B embedded payments and is registered as an Electronic Money Institution (EMI), enabling businesses to create accounts, control and access, receive and make payments, update systems and customers via webhooks – all on-demand through software.

“When people think about digital payments for businesses and the economy via ecommerce or other platforms they tend to think of card payment players like Checkout.com, Stripe, Braintree (part of PayPal) and then PayPal itself,” explains Adams. “Embedded payments is fundamentally different as it enables businesses to fully embed and control real-time money movements in and out of their businesses through software. The brands I mentioned, among many others, are third-party managed service providers that sit outside their clients’ business. They are focused on the checkout experience, but there’s a whole other area of business payments that has not been brought into the 21^stcentury.”

By bringing embedded payments into their platforms, companies can offer their customers custom experiences that align much more to today’s consumer expectations, who want immediate notifications and frictionless payments like Uber and Amazon. Those businesses also want certainty in their Treasury functions on how much money they actually have at any point in time – a real-time view of their cash position. “Modulr enables hundreds of enterprise customers and thousands of SMEs to process and reconcile large volumes of payments automatically and in real-time rather than using antiquated batch processes,” describes Adams. “It’s providing access to real-time payments for all sizes of every business, from enterprises through to SMEs, to simply plug in through the same API and get the same control and visibility. This instils trust in both buyers and sellers, because they can actually see what’s happening in a transaction, instantaneously.”

From a personal perspective, Adams now considers himself a “payments guy” who, having worked for large global payments businesses, has now transferred to a Scottish fintech scale-up. His advice for those thinking of making a similar move:

Don’t feel you have to be global from day one; payments is a globally fragmented industry and focusing on a country or region with harmonised payments regulation and processes makes sense. We’ve seen too many global-ambition payments startups fail due to over-stretch
Promote the exciting opportunities of working in fintech to the talent derived from Scotland’s more traditional financial services businesses
Be flexible with your teams, but spend as much time as you can together physically in the same space to create energy and move much more quickly.

Adams concludes, “What excited me about moving from a big corporate, to an early-stage scale-up was the ferocious speed and need to pivot constantly. It’s a very invigorating environment. Generally speaking, the people that are in it, I think are having great fun. I’d recommend this to anyone.”

How To Capitalise On The Crypto Boom? This New NFT-Funded Eco-Glamping Resort

If there was ever a time to Look seriously at digital currency, it’s now. Today’s crypto market is worth $1.21 trillion,* and Bitcoin has experienced an 85%** surge since this time last year. Meanwhile, NFTs are bringing the potential of profitability to the masses. Well, now “new wave thrill-seekers” can use NFT’s to gain exclusive access to a one-of-a-kind eco-glamping site featuring an Augmented Reality (AR) gaming experience just 20 minutes from Edinburgh.

Those who are interested in NFTs, but fancy something a little different from their investment, should discover Mythtopia – a unique travel experience only available to NFT holders.

Mythtopia combines ecotourism with an AR gaming experience centred around Celtic mythology in stunning Scottish woodland. Guests can stay in one of the 150 low-carbon impact geometric domes and take part in Mythtopia Legends,’ an augmented reality video game following the tales of Celtic folklore.

By owning a Myths NFT (Myths), investors can stay up to three nights per year at Mythtopia Resort alongside friends and family (up to 4 people per dome). Or, they can stake their NFTs and earn extra cash from their allocated nights.

Founder of Mythtopia, Oliver Pyle-Santini, said: “Our NFT’s enable us to build this amazing resort of Mythtopia! The AR game Legends’ is a unique activity, but totally optional. Come and enjoy a lovely weekend away by diving into our Celtic world; finding hidden treasures and adventuring in mythical quests. We intend on making the resort completely carbon neutral. Using carbon credits through OXEGEN (OXE) tokens will (I hope) help people to go greener, faster.”

The recent boom in crypto can often lead to an opportunity for NFTs. This isn’t the only reason to invest in Myths. Today, individuals are increasingly motivated to lower their carbon footprint and make more sustainable choices. According to a study*** conducted by Earth Day 2023, 78% of the public believe in the importance of individual action to fight climate change, and over a third (38%) say that a financial incentive would help them make more environmentally-friendly decisions.

In addition to the Myths, Mythtopia offers their own crypto currency called OXEGEN (OXE). Becoming an OXEGEN (OXE) token holder, investors can join Mythtopia’s mission of planting 120,000 trees and re-wilding the natural environment. The liquidity of the OXEGEN (OXE) cryptocurrency token will come from the carbon credits of these planted trees. Ideal for eco-conscious investors.

The Myths NFT launch will fund the necessary capital to build carbon-negative dwellings on the eco-glamping site, which will be entirely powered by solar and geothermal energy. Not only this, guests can also get involved in activities that help them re-explore nature, such as lake swimming, star gazing, yoga, and even planting trees themselves.

The first mint date is set to take place in Autumn 2023. The funds raised will be used to build the unique and first-of-its-kind Mythtopia resort, which will open nine months later (Spring 2024).

To learn more about how you can invest in Myths NFT’s and OXE tokens and become part of the Mythtopia story, visit the website here.