{"version":"1.0.0","segments":[{"speaker":"YS Chi","startTime":0.78,"endTime":3.75,"body":"The Unique Contributions"},{"speaker":"YS Chi","startTime":0.78,"endTime":3.75,"body":"podcast is brought to you by"},{"speaker":"YS Chi","startTime":3.75,"endTime":7.56,"body":"RELX. Find out more about us by"},{"speaker":"YS Chi","startTime":3.75,"endTime":7.56,"body":"visiting RELX.com."},{"speaker":"Stephen Topliss","startTime":9.9,"endTime":13.65,"body":"Nowadays cyber"},{"speaker":"Stephen Topliss","startTime":9.9,"endTime":13.65,"body":"crime has evolved into a massive"},{"speaker":"Stephen Topliss","startTime":13.65,"endTime":18.6,"body":"industry. It's like a business."},{"speaker":"Stephen Topliss","startTime":13.65,"endTime":18.6,"body":"We have to assume now that all"},{"speaker":"Stephen Topliss","startTime":18.6,"endTime":22.38,"body":"of us, our names, our addresses,"},{"speaker":"Stephen Topliss","startTime":18.6,"endTime":22.38,"body":"our emails, some of our"},{"speaker":"Stephen Topliss","startTime":22.38,"endTime":24.69,"body":"passwords are all out there."},{"speaker":"YS Chi","startTime":40.89,"endTime":43.53,"body":"Hello, and welcome to"},{"speaker":"YS Chi","startTime":40.89,"endTime":43.53,"body":"Unique Contributions, a RELX"},{"speaker":"YS Chi","startTime":43.53,"endTime":46.68,"body":"Podcast, where we bring you"},{"speaker":"YS Chi","startTime":43.53,"endTime":46.68,"body":"closer to some of the most"},{"speaker":"YS Chi","startTime":46.68,"endTime":50.97,"body":"interesting people from around"},{"speaker":"YS Chi","startTime":46.68,"endTime":50.97,"body":"our business. I'm YS Chi, and"},{"speaker":"YS Chi","startTime":50.97,"endTime":53.67,"body":"I'll be exploring with my"},{"speaker":"YS Chi","startTime":50.97,"endTime":53.67,"body":"guests, some of the big issues"},{"speaker":"YS Chi","startTime":53.67,"endTime":57.27,"body":"that matter to society, how they"},{"speaker":"YS Chi","startTime":53.67,"endTime":57.27,"body":"are making a difference, and"},{"speaker":"YS Chi","startTime":57.27,"endTime":61.65,"body":"what brought them to where they"},{"speaker":"YS Chi","startTime":57.27,"endTime":61.65,"body":"are today. Today, we're talking"},{"speaker":"YS Chi","startTime":61.65,"endTime":65.31,"body":"about cybercrime. The"},{"speaker":"YS Chi","startTime":61.65,"endTime":65.31,"body":"digitalization of physical"},{"speaker":"YS Chi","startTime":65.31,"endTime":69.15,"body":"services is happening at an"},{"speaker":"YS Chi","startTime":65.31,"endTime":69.15,"body":"unprecedented pace, and across"},{"speaker":"YS Chi","startTime":69.15,"endTime":73.14,"body":"almost every sector. What does"},{"speaker":"YS Chi","startTime":69.15,"endTime":73.14,"body":"this mean for the threat of"},{"speaker":"YS Chi","startTime":73.14,"endTime":77.85,"body":"cybercrime? And what are we"},{"speaker":"YS Chi","startTime":73.14,"endTime":77.85,"body":"doing to prevent it? To explore"},{"speaker":"YS Chi","startTime":77.85,"endTime":81.24,"body":"these issues with me today is"},{"speaker":"YS Chi","startTime":77.85,"endTime":81.24,"body":"Stephen Topliss, VP of market"},{"speaker":"YS Chi","startTime":81.24,"endTime":84.27,"body":"planning for global fraud and"},{"speaker":"YS Chi","startTime":81.24,"endTime":84.27,"body":"identity at LexisNexis Risk"},{"speaker":"YS Chi","startTime":84.27,"endTime":87.78,"body":"Solutions. Stephen, welcome."},{"speaker":"YS Chi","startTime":84.27,"endTime":87.78,"body":"Great to have you and thank you"},{"speaker":"YS Chi","startTime":87.78,"endTime":89.16,"body":"for joining the podcast."},{"speaker":"Stephen Topliss","startTime":89.61,"endTime":91.59,"body":"Thanks YS, nice"},{"speaker":"Stephen Topliss","startTime":89.61,"endTime":91.59,"body":"to meet you and glad to be here."},{"speaker":"YS Chi","startTime":92.4,"endTime":95.19,"body":"You are based near"},{"speaker":"YS Chi","startTime":92.4,"endTime":95.19,"body":"Amsterdam, I guess the Hague in"},{"speaker":"YS Chi","startTime":95.19,"endTime":98.52,"body":"the Netherlands. How have things"},{"speaker":"YS Chi","startTime":95.19,"endTime":98.52,"body":"been there for you over the last"},{"speaker":"YS Chi","startTime":98.52,"endTime":99.03,"body":"few months?"},{"speaker":"Stephen Topliss","startTime":99.93,"endTime":102.69,"body":"Yeah, that's"},{"speaker":"Stephen Topliss","startTime":99.93,"endTime":102.69,"body":"right. I am in the Hague. It's"},{"speaker":"Stephen Topliss","startTime":102.69,"endTime":107.07,"body":"been an interesting time, I"},{"speaker":"Stephen Topliss","startTime":102.69,"endTime":107.07,"body":"think for everyone. For me"},{"speaker":"Stephen Topliss","startTime":107.07,"endTime":110.97,"body":"personally, I'm actually very"},{"speaker":"Stephen Topliss","startTime":107.07,"endTime":110.97,"body":"used to working from home. I"},{"speaker":"Stephen Topliss","startTime":110.97,"endTime":115.32,"body":"travel a lot in the role I have"},{"speaker":"Stephen Topliss","startTime":110.97,"endTime":115.32,"body":"and when I'm not travelling, I"},{"speaker":"Stephen Topliss","startTime":115.32,"endTime":118.65,"body":"tend to be at home a lot. So I"},{"speaker":"Stephen Topliss","startTime":115.32,"endTime":118.65,"body":"think that transition to working"},{"speaker":"Stephen Topliss","startTime":118.65,"endTime":123.93,"body":"from home was easier for me than"},{"speaker":"Stephen Topliss","startTime":118.65,"endTime":123.93,"body":"most. I think what has been"},{"speaker":"Stephen Topliss","startTime":123.96,"endTime":127.29,"body":"interesting has been having the"},{"speaker":"Stephen Topliss","startTime":123.96,"endTime":127.29,"body":"whole family around me as I"},{"speaker":"Stephen Topliss","startTime":127.29,"endTime":131.25,"body":"work. So over the last few"},{"speaker":"Stephen Topliss","startTime":127.29,"endTime":131.25,"body":"months, I've spent a lot more"},{"speaker":"Stephen Topliss","startTime":131.25,"endTime":135.15,"body":"time than I ever have doing"},{"speaker":"Stephen Topliss","startTime":131.25,"endTime":135.15,"body":"homework with my three children."},{"speaker":"Stephen Topliss","startTime":136.05,"endTime":139.08,"body":"I know a lot more about history,"},{"speaker":"Stephen Topliss","startTime":136.05,"endTime":139.08,"body":"geography and physics now than I"},{"speaker":"Stephen Topliss","startTime":139.08,"endTime":141.36,"body":"have done for 20 or 30 years."},{"speaker":"YS Chi","startTime":141.45,"endTime":146.37,"body":"I doubt that with a PhD,"},{"speaker":"YS Chi","startTime":141.45,"endTime":146.37,"body":"I'm sure this has been quite"},{"speaker":"YS Chi","startTime":146.37,"endTime":147.09,"body":"easy for you."},{"speaker":"Stephen Topliss","startTime":148.05,"endTime":149.94,"body":"It's"},{"speaker":"Stephen Topliss","startTime":148.05,"endTime":149.94,"body":"interesting how much you forget."},{"speaker":"Stephen Topliss","startTime":150.48,"endTime":153.27,"body":"But it's been very enjoyable."},{"speaker":"Stephen Topliss","startTime":150.48,"endTime":153.27,"body":"It's been enjoyable spending"},{"speaker":"Stephen Topliss","startTime":153.27,"endTime":156.36,"body":"time with them. Yeah, yeah."},{"speaker":"YS Chi","startTime":156.6,"endTime":160.68,"body":"Well, speaking of PhD,"},{"speaker":"YS Chi","startTime":156.6,"endTime":160.68,"body":"I'm really curious. You went"},{"speaker":"YS Chi","startTime":160.68,"endTime":165.9,"body":"from having a master in French,"},{"speaker":"YS Chi","startTime":160.68,"endTime":165.9,"body":"and then a PhD in space physics."},{"speaker":"YS Chi","startTime":166.11,"endTime":171.06,"body":"Now to cybersecurity space. Love"},{"speaker":"YS Chi","startTime":166.11,"endTime":171.06,"body":"to know more about your journey"},{"speaker":"YS Chi","startTime":171.06,"endTime":172.08,"body":"to this point."},{"speaker":"Stephen Topliss","startTime":173.02,"endTime":176.26,"body":"Yeah,"},{"speaker":"Stephen Topliss","startTime":173.02,"endTime":176.26,"body":"absolutely. So when I finished"},{"speaker":"Stephen Topliss","startTime":176.26,"endTime":181.21,"body":"school, I didn't really know"},{"speaker":"Stephen Topliss","startTime":176.26,"endTime":181.21,"body":"what I wanted to do. I was"},{"speaker":"Stephen Topliss","startTime":181.21,"endTime":185.32,"body":"inspired by my physics teacher"},{"speaker":"Stephen Topliss","startTime":181.21,"endTime":185.32,"body":"at school and I also really"},{"speaker":"Stephen Topliss","startTime":185.32,"endTime":188.29,"body":"liked to travel and I liked"},{"speaker":"Stephen Topliss","startTime":185.32,"endTime":188.29,"body":"languages. So I went to"},{"speaker":"Stephen Topliss","startTime":188.29,"endTime":191.53,"body":"university thinking, let's try"},{"speaker":"Stephen Topliss","startTime":188.29,"endTime":191.53,"body":"and do something combined with"},{"speaker":"Stephen Topliss","startTime":191.53,"endTime":197.44,"body":"Physics and French. I studied in"},{"speaker":"Stephen Topliss","startTime":191.53,"endTime":197.44,"body":"Manchester. I had a year out"},{"speaker":"Stephen Topliss","startTime":197.44,"endTime":204.28,"body":"studying physics in France and"},{"speaker":"Stephen Topliss","startTime":197.44,"endTime":204.28,"body":"in the end, I still didn't"},{"speaker":"Stephen Topliss","startTime":204.28,"endTime":207.76,"body":"really know exactly what I"},{"speaker":"Stephen Topliss","startTime":204.28,"endTime":207.76,"body":"wanted to do. I had been"},{"speaker":"Stephen Topliss","startTime":207.76,"endTime":212.32,"body":"enjoying physics, and so as I"},{"speaker":"Stephen Topliss","startTime":207.76,"endTime":212.32,"body":"went into the PhD, had a few"},{"speaker":"Stephen Topliss","startTime":212.32,"endTime":216.79,"body":"different options that appeared"},{"speaker":"Stephen Topliss","startTime":212.32,"endTime":216.79,"body":"there.  One was to do a PhD in"},{"speaker":"Stephen Topliss","startTime":216.79,"endTime":223.48,"body":"space plasma physics. I'd never"},{"speaker":"Stephen Topliss","startTime":216.79,"endTime":223.48,"body":"really been that fascinated by"},{"speaker":"Stephen Topliss","startTime":223.48,"endTime":227.38,"body":"space, I have to admit, but it"},{"speaker":"Stephen Topliss","startTime":223.48,"endTime":227.38,"body":"was still it was intriguing and"},{"speaker":"Stephen Topliss","startTime":227.38,"endTime":229.72,"body":"it was definitely the most"},{"speaker":"Stephen Topliss","startTime":227.38,"endTime":229.72,"body":"interesting of the options I"},{"speaker":"Stephen Topliss","startTime":229.72,"endTime":235.81,"body":"had. So I spent three years"},{"speaker":"Stephen Topliss","startTime":229.72,"endTime":235.81,"body":"doing my PhD in that, thoroughly"},{"speaker":"Stephen Topliss","startTime":235.81,"endTime":239.71,"body":"enjoyable. But I think what I"},{"speaker":"Stephen Topliss","startTime":235.81,"endTime":239.71,"body":"did learn from that was a couple"},{"speaker":"Stephen Topliss","startTime":239.71,"endTime":243.82,"body":"of things. First of all, as I"},{"speaker":"Stephen Topliss","startTime":239.71,"endTime":243.82,"body":"kind of already alluded to, my"},{"speaker":"Stephen Topliss","startTime":243.82,"endTime":249.76,"body":"passions probably lie elsewhere"},{"speaker":"Stephen Topliss","startTime":243.82,"endTime":249.76,"body":"and so I felt, maybe this wasn't"},{"speaker":"Stephen Topliss","startTime":250.69,"endTime":254.47,"body":"a career I wanted to commit to."},{"speaker":"Stephen Topliss","startTime":250.69,"endTime":254.47,"body":"I simply didn't have quite the"},{"speaker":"Stephen Topliss","startTime":254.47,"endTime":258.52,"body":"passion for space that some"},{"speaker":"Stephen Topliss","startTime":254.47,"endTime":258.52,"body":"people do have. The other thing"},{"speaker":"Stephen Topliss","startTime":258.52,"endTime":262.72,"body":"that I learned was, in the space"},{"speaker":"Stephen Topliss","startTime":258.52,"endTime":262.72,"body":"industry, projects take an"},{"speaker":"Stephen Topliss","startTime":262.72,"endTime":266.47,"body":"incredibly long time. So,"},{"speaker":"Stephen Topliss","startTime":262.72,"endTime":266.47,"body":"generally as we were doing"},{"speaker":"Stephen Topliss","startTime":266.47,"endTime":270.04,"body":"research there, we would we"},{"speaker":"Stephen Topliss","startTime":266.47,"endTime":270.04,"body":"would come up with a research"},{"speaker":"Stephen Topliss","startTime":270.07,"endTime":277.3,"body":"project. The work I did was"},{"speaker":"Stephen Topliss","startTime":270.07,"endTime":277.3,"body":"based on analysing data from"},{"speaker":"Stephen Topliss","startTime":277.33,"endTime":283.42,"body":"instruments on satellites flying"},{"speaker":"Stephen Topliss","startTime":277.33,"endTime":283.42,"body":"in space. To plan a research"},{"speaker":"Stephen Topliss","startTime":283.42,"endTime":285.61,"body":"project like that. First you"},{"speaker":"Stephen Topliss","startTime":283.42,"endTime":285.61,"body":"have to define, you know, what"},{"speaker":"Stephen Topliss","startTime":285.61,"endTime":289.78,"body":"is the question you're trying to"},{"speaker":"Stephen Topliss","startTime":285.61,"endTime":289.78,"body":"answer, then you have to develop"},{"speaker":"Stephen Topliss","startTime":289.78,"endTime":292.27,"body":"the instrument that's going to"},{"speaker":"Stephen Topliss","startTime":289.78,"endTime":292.27,"body":"get you the data for it. That"},{"speaker":"Stephen Topliss","startTime":292.27,"endTime":296.08,"body":"instrument then needs to be"},{"speaker":"Stephen Topliss","startTime":292.27,"endTime":296.08,"body":"aligned with a satellite and"},{"speaker":"Stephen Topliss","startTime":296.08,"endTime":298.6,"body":"then the satellite needs to be"},{"speaker":"Stephen Topliss","startTime":296.08,"endTime":298.6,"body":"aligned with a rocket launch,"},{"speaker":"Stephen Topliss","startTime":298.6,"endTime":302.08,"body":"and that takes you know,"},{"speaker":"Stephen Topliss","startTime":298.6,"endTime":302.08,"body":"probably a five to 10 year"},{"speaker":"Stephen Topliss","startTime":302.08,"endTime":305.95,"body":"process to get to the stage of"},{"speaker":"Stephen Topliss","startTime":302.08,"endTime":305.95,"body":"launch. You then launch it and"},{"speaker":"Stephen Topliss","startTime":305.95,"endTime":309.52,"body":"then once the satellites flying,"},{"speaker":"Stephen Topliss","startTime":305.95,"endTime":309.52,"body":"you start getting data back, and"},{"speaker":"Stephen Topliss","startTime":309.52,"endTime":312.43,"body":"then you have several years of"},{"speaker":"Stephen Topliss","startTime":309.52,"endTime":312.43,"body":"analysing that data. So these"},{"speaker":"Stephen Topliss","startTime":312.43,"endTime":316.45,"body":"projects can be, you know, 15"},{"speaker":"Stephen Topliss","startTime":312.43,"endTime":316.45,"body":"years of your life. I also had"},{"speaker":"Stephen Topliss","startTime":316.45,"endTime":321.19,"body":"the misfortune I guess, of"},{"speaker":"Stephen Topliss","startTime":316.45,"endTime":321.19,"body":"seeing one or two of these"},{"speaker":"Stephen Topliss","startTime":321.19,"endTime":326.47,"body":"rockets, unfortunately exploding"},{"speaker":"Stephen Topliss","startTime":321.19,"endTime":326.47,"body":"shortly after takeoff. So not"},{"speaker":"Stephen Topliss","startTime":326.47,"endTime":329.41,"body":"only are those long term"},{"speaker":"Stephen Topliss","startTime":326.47,"endTime":329.41,"body":"projects that you commit to, but"},{"speaker":"Stephen Topliss","startTime":329.41,"endTime":332.68,"body":"there is a fairly high element"},{"speaker":"Stephen Topliss","startTime":329.41,"endTime":332.68,"body":"of risk involved there as well."},{"speaker":"Stephen Topliss","startTime":332.68,"endTime":336.61,"body":"So I think what it did was it"},{"speaker":"Stephen Topliss","startTime":332.68,"endTime":336.61,"body":"changed my perspective quite a"},{"speaker":"Stephen Topliss","startTime":336.61,"endTime":342.22,"body":"lot. So once I completed my PhD,"},{"speaker":"Stephen Topliss","startTime":336.61,"endTime":342.22,"body":"I went into the consulting"},{"speaker":"Stephen Topliss","startTime":342.22,"endTime":344.41,"body":"world, which was really the"},{"speaker":"Stephen Topliss","startTime":342.22,"endTime":344.41,"body":"other extreme."},{"speaker":"YS Chi","startTime":344.44,"endTime":346.12,"body":"From the long term to"},{"speaker":"YS Chi","startTime":344.44,"endTime":346.12,"body":"short term."},{"speaker":"Stephen Topliss","startTime":346.0,"endTime":350.26,"body":"Exactly,"},{"speaker":"Stephen Topliss","startTime":346.0,"endTime":350.26,"body":"exactly. And so consulting I"},{"speaker":"Stephen Topliss","startTime":350.26,"endTime":353.77,"body":"hought was just a very, very"},{"speaker":"Stephen Topliss","startTime":350.26,"endTime":353.77,"body":"nteresting. I got experience in"},{"speaker":"Stephen Topliss","startTime":353.77,"endTime":358.12,"body":"lot of different organisations"},{"speaker":"Stephen Topliss","startTime":353.77,"endTime":358.12,"body":"ery quickly. I got exposed to"},{"speaker":"Stephen Topliss","startTime":358.18,"endTime":362.26,"body":"rganisations within Silicon"},{"speaker":"Stephen Topliss","startTime":358.18,"endTime":362.26,"body":"alley. For me that, there was"},{"speaker":"Stephen Topliss","startTime":362.26,"endTime":368.89,"body":"he click, because there was the"},{"speaker":"Stephen Topliss","startTime":362.26,"endTime":368.89,"body":"echnical excitement, the"},{"speaker":"Stephen Topliss","startTime":368.89,"endTime":374.53,"body":"ntrepreneurialship there. And"},{"speaker":"Stephen Topliss","startTime":368.89,"endTime":374.53,"body":"o I started working on projects"},{"speaker":"Stephen Topliss","startTime":374.56,"endTime":378.1,"body":"ith tech companies in the US"},{"speaker":"Stephen Topliss","startTime":374.56,"endTime":378.1,"body":"ho were then expanding into"},{"speaker":"Stephen Topliss","startTime":378.1,"endTime":383.89,"body":"urope. And eventually, in 2010,"},{"speaker":"Stephen Topliss","startTime":378.1,"endTime":383.89,"body":"was looking kind of for the"},{"speaker":"Stephen Topliss","startTime":383.89,"endTime":386.8,"body":"ext opportunity there and"},{"speaker":"Stephen Topliss","startTime":383.89,"endTime":386.8,"body":"here's a few different firms"},{"speaker":"Stephen Topliss","startTime":386.8,"endTime":390.16,"body":"hat were making this expansion"},{"speaker":"Stephen Topliss","startTime":386.8,"endTime":390.16,"body":"nto Europe, and one of them was"},{"speaker":"Stephen Topliss","startTime":390.16,"endTime":394.81,"body":"hreatMetrix. And really, it was"},{"speaker":"Stephen Topliss","startTime":390.16,"endTime":394.81,"body":"no brainer once I kind of"},{"speaker":"Stephen Topliss","startTime":394.81,"endTime":399.16,"body":"nderstood what was was going on"},{"speaker":"Stephen Topliss","startTime":394.81,"endTime":399.16,"body":"here. ThreatMetrix had really"},{"speaker":"Stephen Topliss","startTime":399.16,"endTime":403.21,"body":"ool technology. It was in this"},{"speaker":"Stephen Topliss","startTime":399.16,"endTime":403.21,"body":"raud prevention space which I"},{"speaker":"Stephen Topliss","startTime":403.48,"endTime":407.5,"body":"idn't know a lot about, but I"},{"speaker":"Stephen Topliss","startTime":403.48,"endTime":407.5,"body":"ealised that this was a sector"},{"speaker":"Stephen Topliss","startTime":407.5,"endTime":410.71,"body":"hat I could really get"},{"speaker":"Stephen Topliss","startTime":407.5,"endTime":410.71,"body":"assionate about. So not only"},{"speaker":"Stephen Topliss","startTime":410.71,"endTime":415.57,"body":"as it an exciting tech company,"},{"speaker":"Stephen Topliss","startTime":410.71,"endTime":415.57,"body":"hey were offering to bring me"},{"speaker":"Stephen Topliss","startTime":415.57,"endTime":417.67,"body":"n as the first person on the"},{"speaker":"Stephen Topliss","startTime":415.57,"endTime":417.67,"body":"round in Europe and build the"},{"speaker":"Stephen Topliss","startTime":417.67,"endTime":421.09,"body":"usiness. And the sector was was"},{"speaker":"Stephen Topliss","startTime":417.67,"endTime":421.09,"body":"eally meaningful."},{"speaker":"YS Chi","startTime":421.09,"endTime":422.2,"body":"Yeah, great timing."},{"speaker":"Stephen Topliss","startTime":422.0,"endTime":425.12,"body":"Yeah. So the"},{"speaker":"Stephen Topliss","startTime":422.0,"endTime":425.12,"body":"ThreatMetrix product basically"},{"speaker":"Stephen Topliss","startTime":425.12,"endTime":430.28,"body":"enables clients to prevent"},{"speaker":"Stephen Topliss","startTime":425.12,"endTime":430.28,"body":"fraud. So we're providing fraud"},{"speaker":"Stephen Topliss","startTime":430.28,"endTime":433.88,"body":"prevention techniques for the"},{"speaker":"Stephen Topliss","startTime":430.28,"endTime":433.88,"body":"likes of online banking,"},{"speaker":"Stephen Topliss","startTime":434.12,"endTime":439.46,"body":"ecommerce sites, media streaming"},{"speaker":"Stephen Topliss","startTime":434.12,"endTime":439.46,"body":"sites, and any company that"},{"speaker":"Stephen Topliss","startTime":439.46,"endTime":442.4,"body":"provides services to an end user"},{"speaker":"Stephen Topliss","startTime":439.46,"endTime":442.4,"body":"base."},{"speaker":"YS Chi","startTime":443.17,"endTime":445.78,"body":"You say there was no"},{"speaker":"YS Chi","startTime":443.17,"endTime":445.78,"body":"brainer, but I must not have any"},{"speaker":"YS Chi","startTime":445.78,"endTime":449.56,"body":"brain because at that point in"},{"speaker":"YS Chi","startTime":445.78,"endTime":449.56,"body":"2010, it would have gone right"},{"speaker":"YS Chi","startTime":449.56,"endTime":452.47,"body":"over my head, and I would not"},{"speaker":"YS Chi","startTime":449.56,"endTime":452.47,"body":"have seen the potential that you"},{"speaker":"YS Chi","startTime":452.47,"endTime":456.13,"body":"did, but I'm glad you did, and"},{"speaker":"YS Chi","startTime":452.47,"endTime":456.13,"body":"then I'm glad that ThreatMetrix"},{"speaker":"YS Chi","startTime":456.37,"endTime":462.19,"body":"found you. You sound like a real"},{"speaker":"YS Chi","startTime":456.37,"endTime":462.19,"body":"true renaissance man. From"},{"speaker":"YS Chi","startTime":462.19,"endTime":465.58,"body":"humanities, to science, to"},{"speaker":"YS Chi","startTime":462.19,"endTime":465.58,"body":"engineering, everything in"},{"speaker":"YS Chi","startTime":465.58,"endTime":470.02,"body":"between. So like our other"},{"speaker":"YS Chi","startTime":465.58,"endTime":470.02,"body":"guests that have been here and"},{"speaker":"YS Chi","startTime":470.02,"endTime":473.41,"body":"have done so well. I think this"},{"speaker":"YS Chi","startTime":470.02,"endTime":473.41,"body":"session is going to be a great"},{"speaker":"YS Chi","startTime":473.41,"endTime":478.57,"body":"lesson. Can you please start by"},{"speaker":"YS Chi","startTime":473.41,"endTime":478.57,"body":"painting a picture of what's"},{"speaker":"YS Chi","startTime":478.57,"endTime":483.55,"body":"going on out there in the dark"},{"speaker":"YS Chi","startTime":478.57,"endTime":483.55,"body":"web, and how cybercrime has"},{"speaker":"YS Chi","startTime":483.55,"endTime":485.41,"body":"evolved in the last few years?"},{"speaker":"Stephen Topliss","startTime":486.59,"endTime":488.75,"body":"Yeah, I think"},{"speaker":"Stephen Topliss","startTime":486.59,"endTime":488.75,"body":"that the best way to do that is"},{"speaker":"Stephen Topliss","startTime":488.75,"endTime":491.93,"body":"to go back a little bit to the"},{"speaker":"Stephen Topliss","startTime":488.75,"endTime":491.93,"body":"start, and in particular, the"},{"speaker":"Stephen Topliss","startTime":491.93,"endTime":497.18,"body":"start of commerce moving online,"},{"speaker":"Stephen Topliss","startTime":491.93,"endTime":497.18,"body":"moving on to the Internet, and"},{"speaker":"Stephen Topliss","startTime":497.18,"endTime":500.84,"body":"starting to give you that"},{"speaker":"Stephen Topliss","startTime":497.18,"endTime":500.84,"body":"ability to buy things online."},{"speaker":"Stephen Topliss","startTime":501.5,"endTime":506.18,"body":"What happened very, very early"},{"speaker":"Stephen Topliss","startTime":501.5,"endTime":506.18,"body":"on was that second marketplace"},{"speaker":"Stephen Topliss","startTime":506.24,"endTime":509.57,"body":"started opening up and that"},{"speaker":"Stephen Topliss","startTime":506.24,"endTime":509.57,"body":"secondary marketplace was"},{"speaker":"Stephen Topliss","startTime":509.57,"endTime":513.65,"body":"selling stolen information and"},{"speaker":"Stephen Topliss","startTime":509.57,"endTime":513.65,"body":"in particular, stolen credit"},{"speaker":"Stephen Topliss","startTime":513.65,"endTime":520.22,"body":"card details. It was a natural"},{"speaker":"Stephen Topliss","startTime":513.65,"endTime":520.22,"body":"progression for criminals. If"},{"speaker":"Stephen Topliss","startTime":520.22,"endTime":523.79,"body":"they had the ability to use"},{"speaker":"Stephen Topliss","startTime":520.22,"endTime":523.79,"body":"stolen credit cards, literally"},{"speaker":"Stephen Topliss","startTime":523.79,"endTime":527.99,"body":"stolen in shops, why not use"},{"speaker":"Stephen Topliss","startTime":523.79,"endTime":527.99,"body":"that information when you try to"},{"speaker":"Stephen Topliss","startTime":527.99,"endTime":532.64,"body":"buy things online as well. So"},{"speaker":"Stephen Topliss","startTime":527.99,"endTime":532.64,"body":"when I kind of got into the"},{"speaker":"Stephen Topliss","startTime":532.64,"endTime":537.23,"body":"sector the first time, ecommerce"},{"speaker":"Stephen Topliss","startTime":532.64,"endTime":537.23,"body":"was really trying to battle that"},{"speaker":"Stephen Topliss","startTime":537.23,"endTime":541.67,"body":"problem. And it wasn't just"},{"speaker":"Stephen Topliss","startTime":537.23,"endTime":541.67,"body":"there, there were other new"},{"speaker":"Stephen Topliss","startTime":541.67,"endTime":545.06,"body":"services emerging online. So the"},{"speaker":"Stephen Topliss","startTime":541.67,"endTime":545.06,"body":"online dating industry for"},{"speaker":"Stephen Topliss","startTime":545.06,"endTime":549.2,"body":"example, was also quite an early"},{"speaker":"Stephen Topliss","startTime":545.06,"endTime":549.2,"body":"adopter of the digital space."},{"speaker":"Stephen Topliss","startTime":549.26,"endTime":552.47,"body":"They had a very different"},{"speaker":"Stephen Topliss","startTime":549.26,"endTime":552.47,"body":"problem, they were focused on"},{"speaker":"Stephen Topliss","startTime":552.47,"endTime":556.13,"body":"scams. The kind of scams we"},{"speaker":"Stephen Topliss","startTime":552.47,"endTime":556.13,"body":"still see today in the social"},{"speaker":"Stephen Topliss","startTime":556.13,"endTime":560.9,"body":"networking space, where people"},{"speaker":"Stephen Topliss","startTime":556.13,"endTime":560.9,"body":"create accounts on there,"},{"speaker":"Stephen Topliss","startTime":560.9,"endTime":563.96,"body":"pretend to be other people, try"},{"speaker":"Stephen Topliss","startTime":560.9,"endTime":563.96,"body":"to build a relationship with"},{"speaker":"Stephen Topliss","startTime":563.96,"endTime":568.67,"body":"you, and ultimately try to ask"},{"speaker":"Stephen Topliss","startTime":563.96,"endTime":568.67,"body":"you for money. So those were"},{"speaker":"Stephen Topliss","startTime":568.67,"endTime":573.14,"body":"problems, you know, early on and"},{"speaker":"Stephen Topliss","startTime":568.67,"endTime":573.14,"body":"the problem was, obviously, it"},{"speaker":"Stephen Topliss","startTime":573.14,"endTime":576.29,"body":"had an impact for customers that"},{"speaker":"Stephen Topliss","startTime":573.14,"endTime":576.29,"body":"were actually involved in that"},{"speaker":"Stephen Topliss","startTime":576.29,"endTime":579.71,"body":"fraud. They would find that"},{"speaker":"Stephen Topliss","startTime":576.29,"endTime":579.71,"body":"their cards had been used to buy"},{"speaker":"Stephen Topliss","startTime":579.71,"endTime":583.55,"body":"a purchase, and it would often"},{"speaker":"Stephen Topliss","startTime":579.71,"endTime":583.55,"body":"be quite difficult to get that"},{"speaker":"Stephen Topliss","startTime":583.55,"endTime":588.26,"body":"money back. Similarly on the"},{"speaker":"Stephen Topliss","startTime":583.55,"endTime":588.26,"body":"dating site example, if you've"},{"speaker":"Stephen Topliss","startTime":589.04,"endTime":591.65,"body":"ended up paying money somewhere,"},{"speaker":"Stephen Topliss","startTime":589.04,"endTime":591.65,"body":"chances are you were never going"},{"speaker":"Stephen Topliss","startTime":591.65,"endTime":595.22,"body":"to get that back. So a real"},{"speaker":"Stephen Topliss","startTime":591.65,"endTime":595.22,"body":"impact to individual people like"},{"speaker":"Stephen Topliss","startTime":595.22,"endTime":599.18,"body":"ourselves, as well as then,"},{"speaker":"Stephen Topliss","startTime":595.22,"endTime":599.18,"body":"impacts to the organisations as"},{"speaker":"Stephen Topliss","startTime":599.18,"endTime":601.64,"body":"well. Whether they were"},{"speaker":"Stephen Topliss","startTime":599.18,"endTime":601.64,"body":"ecommerce or then later on,"},{"speaker":"Stephen Topliss","startTime":602.21,"endTime":608.18,"body":"online banks. And if you look at"},{"speaker":"Stephen Topliss","startTime":602.21,"endTime":608.18,"body":"the kind of the sophistication"},{"speaker":"Stephen Topliss","startTime":608.18,"endTime":611.78,"body":"of cybercrime and how you fought"},{"speaker":"Stephen Topliss","startTime":608.18,"endTime":611.78,"body":"it in the early days, it was"},{"speaker":"Stephen Topliss","startTime":611.78,"endTime":615.56,"body":"actually really quite easy. Most"},{"speaker":"Stephen Topliss","startTime":611.78,"endTime":615.56,"body":"of the time, if you could"},{"speaker":"Stephen Topliss","startTime":615.56,"endTime":619.91,"body":"identify the IP address where"},{"speaker":"Stephen Topliss","startTime":615.56,"endTime":619.91,"body":"fraud was coming from, you could"},{"speaker":"Stephen Topliss","startTime":619.91,"endTime":624.41,"body":"block it, you could just ignore"},{"speaker":"Stephen Topliss","startTime":619.91,"endTime":624.41,"body":"it. But the complexity started"},{"speaker":"Stephen Topliss","startTime":624.41,"endTime":628.46,"body":"to occur, as fraudsters started"},{"speaker":"Stephen Topliss","startTime":624.41,"endTime":628.46,"body":"to understand how to change"},{"speaker":"Stephen Topliss","startTime":628.46,"endTime":632.27,"body":"their IP addresses, or how they"},{"speaker":"Stephen Topliss","startTime":628.46,"endTime":632.27,"body":"could hide behind things like a"},{"speaker":"Stephen Topliss","startTime":632.27,"endTime":635.03,"body":"proxy server, so that you"},{"speaker":"Stephen Topliss","startTime":632.27,"endTime":635.03,"body":"couldn't identify where they"},{"speaker":"Stephen Topliss","startTime":635.03,"endTime":639.2,"body":"were coming from. And at the"},{"speaker":"Stephen Topliss","startTime":635.03,"endTime":639.2,"body":"time as I was joining, what was"},{"speaker":"Stephen Topliss","startTime":639.2,"endTime":641.45,"body":"interesting with ThreatMetrix"},{"speaker":"Stephen Topliss","startTime":639.2,"endTime":641.45,"body":"was that they had this novel"},{"speaker":"Stephen Topliss","startTime":641.45,"endTime":646.1,"body":"idea of being able to try to"},{"speaker":"Stephen Topliss","startTime":641.45,"endTime":646.1,"body":"gather digital intelligence. So,"},{"speaker":"Stephen Topliss","startTime":646.58,"endTime":650.54,"body":"to be able to identify if these"},{"speaker":"Stephen Topliss","startTime":646.58,"endTime":650.54,"body":"proxies were being used to hide"},{"speaker":"Stephen Topliss","startTime":650.54,"endTime":655.49,"body":"the fraudsters. So they thought"},{"speaker":"Stephen Topliss","startTime":650.54,"endTime":655.49,"body":"if the IP address isn't the key"},{"speaker":"Stephen Topliss","startTime":655.49,"endTime":659.84,"body":"anymore, maybe we can have an"},{"speaker":"Stephen Topliss","startTime":655.49,"endTime":659.84,"body":"identifier for a device. So if"},{"speaker":"Stephen Topliss","startTime":659.84,"endTime":663.02,"body":"this fraudster is using this"},{"speaker":"Stephen Topliss","startTime":659.84,"endTime":663.02,"body":"computer, and we can identify"},{"speaker":"Stephen Topliss","startTime":663.02,"endTime":665.6,"body":"it, then we can block the"},{"speaker":"Stephen Topliss","startTime":663.02,"endTime":665.6,"body":"computer. So that was a little"},{"speaker":"Stephen Topliss","startTime":665.6,"endTime":668.6,"body":"bit kind of what was happening"},{"speaker":"Stephen Topliss","startTime":665.6,"endTime":668.6,"body":"in the early days. But if you"},{"speaker":"Stephen Topliss","startTime":668.6,"endTime":673.1,"body":"look nowadays, cybercrime has"},{"speaker":"Stephen Topliss","startTime":668.6,"endTime":673.1,"body":"evolved into a massive industry."},{"speaker":"Stephen Topliss","startTime":674.6,"endTime":677.81,"body":"It's like a business. There's"},{"speaker":"Stephen Topliss","startTime":674.6,"endTime":677.81,"body":"knowledge sharing, there are"},{"speaker":"Stephen Topliss","startTime":677.81,"endTime":682.85,"body":"sophisticated tools being used."},{"speaker":"Stephen Topliss","startTime":677.81,"endTime":682.85,"body":"You see these automated bots,"},{"speaker":"Stephen Topliss","startTime":683.18,"endTime":689.06,"body":"these botnets, these networks of"},{"speaker":"Stephen Topliss","startTime":683.18,"endTime":689.06,"body":"devices that have been kind of"},{"speaker":"Stephen Topliss","startTime":689.3,"endTime":693.29,"body":"captured and convinced to carry"},{"speaker":"Stephen Topliss","startTime":689.3,"endTime":693.29,"body":"out attacks on sites. So the"},{"speaker":"Stephen Topliss","startTime":693.29,"endTime":697.19,"body":"scale of cybercrime has"},{"speaker":"Stephen Topliss","startTime":693.29,"endTime":697.19,"body":"completely changed, as have the"},{"speaker":"Stephen Topliss","startTime":697.25,"endTime":702.17,"body":"level of stolen or breached"},{"speaker":"Stephen Topliss","startTime":697.25,"endTime":702.17,"body":"identity data. I mean, we've"},{"speaker":"Stephen Topliss","startTime":702.17,"endTime":706.43,"body":"heard in the press over the"},{"speaker":"Stephen Topliss","startTime":702.17,"endTime":706.43,"body":"years, many large well known"},{"speaker":"Stephen Topliss","startTime":706.46,"endTime":709.76,"body":"businesses where there have been"},{"speaker":"Stephen Topliss","startTime":706.46,"endTime":709.76,"body":"data breaches and we have to"},{"speaker":"Stephen Topliss","startTime":709.76,"endTime":713.51,"body":"assume now that all of us, our"},{"speaker":"Stephen Topliss","startTime":709.76,"endTime":713.51,"body":"names, our addresses, our"},{"speaker":"Stephen Topliss","startTime":713.54,"endTime":718.28,"body":"emails, some of our passwords"},{"speaker":"Stephen Topliss","startTime":713.54,"endTime":718.28,"body":"are all out there for those that"},{"speaker":"Stephen Topliss","startTime":718.31,"endTime":724.94,"body":"want to buy them and test them."},{"speaker":"Stephen Topliss","startTime":718.31,"endTime":724.94,"body":"So the sheer scale of cyber"},{"speaker":"Stephen Topliss","startTime":724.94,"endTime":728.84,"body":"crime has changed. And what"},{"speaker":"Stephen Topliss","startTime":724.94,"endTime":728.84,"body":"we're seeing now is that"},{"speaker":"Stephen Topliss","startTime":728.84,"endTime":732.89,"body":"fraudsters are actually, they've"},{"speaker":"Stephen Topliss","startTime":728.84,"endTime":732.89,"body":"always been shifting to focus on"},{"speaker":"Stephen Topliss","startTime":732.89,"endTime":735.98,"body":"how they can be successful. But"},{"speaker":"Stephen Topliss","startTime":732.89,"endTime":735.98,"body":"one of the recent trends we've"},{"speaker":"Stephen Topliss","startTime":735.98,"endTime":740.87,"body":"seen is a move away from"},{"speaker":"Stephen Topliss","startTime":735.98,"endTime":740.87,"body":"fraudsters maybe accessing our"},{"speaker":"Stephen Topliss","startTime":740.87,"endTime":744.44,"body":"accounts directly and stealing"},{"speaker":"Stephen Topliss","startTime":740.87,"endTime":744.44,"body":"from us, and actually going back"},{"speaker":"Stephen Topliss","startTime":744.44,"endTime":748.37,"body":"to those scams that I mentioned"},{"speaker":"Stephen Topliss","startTime":744.44,"endTime":748.37,"body":"earlier from dating. The"},{"speaker":"Stephen Topliss","startTime":748.37,"endTime":752.63,"body":"different kinds of scams now to"},{"speaker":"Stephen Topliss","startTime":748.37,"endTime":752.63,"body":"convince you or me to actually"},{"speaker":"Stephen Topliss","startTime":752.63,"endTime":756.38,"body":"move our money and pay it into a"},{"speaker":"Stephen Topliss","startTime":752.63,"endTime":756.38,"body":"fraudsters account. But having a"},{"speaker":"Stephen Topliss","startTime":756.38,"endTime":759.35,"body":"story so convincing that we're"},{"speaker":"Stephen Topliss","startTime":756.38,"endTime":759.35,"body":"doing it willingly and not"},{"speaker":"Stephen Topliss","startTime":759.35,"endTime":760.76,"body":"realising we're being scammed."},{"speaker":"YS Chi","startTime":761.72,"endTime":762.11,"body":"Right."},{"speaker":"Stephen Topliss","startTime":762.2,"endTime":765.05,"body":"So it's a scary"},{"speaker":"Stephen Topliss","startTime":762.2,"endTime":765.05,"body":"world out there and criminals,"},{"speaker":"Stephen Topliss","startTime":765.05,"endTime":768.71,"body":"you know, ultimately, it's much"},{"speaker":"Stephen Topliss","startTime":765.05,"endTime":768.71,"body":"easier and safer for them to try"},{"speaker":"Stephen Topliss","startTime":768.71,"endTime":772.67,"body":"to commit this types of fraud"},{"speaker":"Stephen Topliss","startTime":768.71,"endTime":772.67,"body":"and crime online than walking"},{"speaker":"Stephen Topliss","startTime":772.67,"endTime":773.57,"body":"into a bank with a gun."},{"speaker":"YS Chi","startTime":790.22,"endTime":795.53,"body":"You are keeping this so"},{"speaker":"YS Chi","startTime":790.22,"endTime":795.53,"body":"nice, clean, diplomatic. But I"},{"speaker":"YS Chi","startTime":795.53,"endTime":801.32,"body":"need some juicy stuff. So you"},{"speaker":"YS Chi","startTime":795.53,"endTime":801.32,"body":"must have come across some very"},{"speaker":"YS Chi","startTime":801.32,"endTime":804.2,"body":"particularly interesting stories"},{"speaker":"YS Chi","startTime":801.32,"endTime":804.2,"body":"about fraudsters who have been"},{"speaker":"YS Chi","startTime":804.2,"endTime":807.65,"body":"caught, without necessarily"},{"speaker":"YS Chi","startTime":804.2,"endTime":807.65,"body":"mentioning names. What are some"},{"speaker":"YS Chi","startTime":807.65,"endTime":810.47,"body":"of the most sophisticated ways"},{"speaker":"YS Chi","startTime":807.65,"endTime":810.47,"body":"that you've seen fraudsters"},{"speaker":"YS Chi","startTime":810.68,"endTime":811.64,"body":"operate online?"},{"speaker":"Stephen Topliss","startTime":813.37,"endTime":815.41,"body":"Yeah, I've"},{"speaker":"Stephen Topliss","startTime":813.37,"endTime":815.41,"body":"definitely got a few stories I"},{"speaker":"Stephen Topliss","startTime":815.41,"endTime":821.2,"body":"can share and maybe I'll change"},{"speaker":"Stephen Topliss","startTime":815.41,"endTime":821.2,"body":"the angle slightly and highlight"},{"speaker":"Stephen Topliss","startTime":821.2,"endTime":824.23,"body":"a little bit how we've dealt"},{"speaker":"Stephen Topliss","startTime":821.2,"endTime":824.23,"body":"with them or how I've seen"},{"speaker":"Stephen Topliss","startTime":824.23,"endTime":827.95,"body":"companies deal with some of"},{"speaker":"Stephen Topliss","startTime":824.23,"endTime":827.95,"body":"these fraudsters as well. So if"},{"speaker":"Stephen Topliss","startTime":827.95,"endTime":831.88,"body":"I go back to the scams first of"},{"speaker":"Stephen Topliss","startTime":827.95,"endTime":831.88,"body":"all, again, thinking of an early"},{"speaker":"Stephen Topliss","startTime":831.88,"endTime":836.59,"body":"example, with those dating sites"},{"speaker":"Stephen Topliss","startTime":831.88,"endTime":836.59,"body":"and scammers. One of the"},{"speaker":"Stephen Topliss","startTime":836.59,"endTime":841.27,"body":"problems that you have to deal"},{"speaker":"Stephen Topliss","startTime":836.59,"endTime":841.27,"body":"with. If you can identify these"},{"speaker":"Stephen Topliss","startTime":841.27,"endTime":846.67,"body":"fraudsters on your site, what do"},{"speaker":"Stephen Topliss","startTime":841.27,"endTime":846.67,"body":"you actually do about it? So you"},{"speaker":"Stephen Topliss","startTime":846.67,"endTime":849.1,"body":"could just block them. But the"},{"speaker":"Stephen Topliss","startTime":846.67,"endTime":849.1,"body":"problem is, if you block them"},{"speaker":"Stephen Topliss","startTime":849.1,"endTime":852.52,"body":"straight away, they know that"},{"speaker":"Stephen Topliss","startTime":849.1,"endTime":852.52,"body":"you're onto them and that"},{"speaker":"Stephen Topliss","startTime":852.52,"endTime":856.12,"body":"actually is only going to help"},{"speaker":"Stephen Topliss","startTime":852.52,"endTime":856.12,"body":"them, study that a little bit"},{"speaker":"Stephen Topliss","startTime":856.12,"endTime":858.88,"body":"more in detail and figure out"},{"speaker":"Stephen Topliss","startTime":856.12,"endTime":858.88,"body":"how to change their attack and"},{"speaker":"Stephen Topliss","startTime":858.88,"endTime":862.75,"body":"come back and try and get past"},{"speaker":"Stephen Topliss","startTime":858.88,"endTime":862.75,"body":"you again. So one thing that for"},{"speaker":"Stephen Topliss","startTime":862.75,"endTime":866.02,"body":"me, I remember very well in the"},{"speaker":"Stephen Topliss","startTime":862.75,"endTime":866.02,"body":"early days was that some of"},{"speaker":"Stephen Topliss","startTime":866.02,"endTime":869.95,"body":"these dating sites would use our"},{"speaker":"Stephen Topliss","startTime":866.02,"endTime":869.95,"body":"technology to identify the"},{"speaker":"Stephen Topliss","startTime":869.95,"endTime":873.01,"body":"scammers. But rather than"},{"speaker":"Stephen Topliss","startTime":869.95,"endTime":873.01,"body":"blocking the scammers, they"},{"speaker":"Stephen Topliss","startTime":873.01,"endTime":877.18,"body":"would lead them to a second"},{"speaker":"Stephen Topliss","startTime":873.01,"endTime":877.18,"body":"site, which would look exactly"},{"speaker":"Stephen Topliss","startTime":877.18,"endTime":880.63,"body":"the same as the original dating"},{"speaker":"Stephen Topliss","startTime":877.18,"endTime":880.63,"body":"site, but was actually a"},{"speaker":"Stephen Topliss","startTime":880.63,"endTime":884.08,"body":"fictitious dating site where"},{"speaker":"Stephen Topliss","startTime":880.63,"endTime":884.08,"body":"they would bring all the"},{"speaker":"Stephen Topliss","startTime":884.08,"endTime":886.18,"body":"scammers and all the fraudsters"},{"speaker":"Stephen Topliss","startTime":884.08,"endTime":886.18,"body":"together and they could"},{"speaker":"Stephen Topliss","startTime":886.18,"endTime":888.88,"body":"effectively play against"},{"speaker":"Stephen Topliss","startTime":886.18,"endTime":888.88,"body":"themselves. So I thought that"},{"speaker":"Stephen Topliss","startTime":888.88,"endTime":889.9,"body":"was always an interesting a..."},{"speaker":"YS Chi","startTime":890.66,"endTime":892.19,"body":"...lovely sting"},{"speaker":"YS Chi","startTime":890.66,"endTime":892.19,"body":"operation."},{"speaker":"Stephen Topliss","startTime":892.0,"endTime":895.6,"body":"Exactly,"},{"speaker":"Stephen Topliss","startTime":892.0,"endTime":895.6,"body":"exactly. But you asked, I mean,"},{"speaker":"Stephen Topliss","startTime":895.6,"endTime":901.09,"body":"another example about actually"},{"speaker":"Stephen Topliss","startTime":895.6,"endTime":901.09,"body":"catching fraudsters. So I guess"},{"speaker":"YS Chi","startTime":898.27,"endTime":898.6,"body":"Bravo."},{"speaker":"YS Chi","startTime":901.09,"endTime":909.25,"body":"back in 2014, 2015, we saw that"},{"speaker":"YS Chi","startTime":901.09,"endTime":909.25,"body":"the banks that we were working"},{"speaker":"Stephen Topliss","startTime":901.48,"endTime":1046.98,"body":"...guys got"},{"speaker":"Stephen Topliss","startTime":901.48,"endTime":1046.98,"body":"locked away. So for me, it was,"},{"speaker":"Stephen Topliss","startTime":909.25,"endTime":912.01,"body":"with were getting more"},{"speaker":"Stephen Topliss","startTime":909.25,"endTime":912.01,"body":"successful at being able to"},{"speaker":"Stephen Topliss","startTime":912.01,"endTime":915.4,"body":"identify the fraud because of"},{"speaker":"Stephen Topliss","startTime":912.01,"endTime":915.4,"body":"all this rich, digital"},{"speaker":"Stephen Topliss","startTime":915.4,"endTime":918.31,"body":"intelligence that we could"},{"speaker":"Stephen Topliss","startTime":915.4,"endTime":918.31,"body":"provide. But there was always"},{"speaker":"Stephen Topliss","startTime":918.31,"endTime":921.13,"body":"the frustration that the"},{"speaker":"Stephen Topliss","startTime":918.31,"endTime":921.13,"body":"fraudsters and the criminals,"},{"speaker":"Stephen Topliss","startTime":921.13,"endTime":925.0,"body":"they never got really caught by"},{"speaker":"Stephen Topliss","startTime":921.13,"endTime":925.0,"body":"the police and went to jail. And"},{"speaker":"Stephen Topliss","startTime":925.0,"endTime":927.91,"body":"one of the reasons for that was"},{"speaker":"Stephen Topliss","startTime":925.0,"endTime":927.91,"body":"that historically, that there"},{"speaker":"Stephen Topliss","startTime":927.91,"endTime":932.02,"body":"wasn't really the evidence that"},{"speaker":"Stephen Topliss","startTime":927.91,"endTime":932.02,"body":"could be used in a court of law,"},{"speaker":"Stephen Topliss","startTime":932.05,"endTime":936.64,"body":"or even if it was there, maybe"},{"speaker":"Stephen Topliss","startTime":932.05,"endTime":936.64,"body":"the police didn't really"},{"speaker":"Stephen Topliss","startTime":936.64,"endTime":941.77,"body":"understand how to use it. So"},{"speaker":"Stephen Topliss","startTime":936.64,"endTime":941.77,"body":"there was one specific case in"},{"speaker":"Stephen Topliss","startTime":941.77,"endTime":947.14,"body":"that year where there was some"},{"speaker":"Stephen Topliss","startTime":941.77,"endTime":947.14,"body":"fraud. It was clear that there"},{"speaker":"Stephen Topliss","startTime":947.14,"endTime":950.32,"body":"were some fraudulent behaviour"},{"speaker":"Stephen Topliss","startTime":947.14,"endTime":950.32,"body":"and a number of online banking"},{"speaker":"Stephen Topliss","startTime":950.32,"endTime":954.79,"body":"accounts were being accessed and"},{"speaker":"Stephen Topliss","startTime":950.32,"endTime":954.79,"body":"money was being moved out. In"},{"speaker":"Stephen Topliss","startTime":954.79,"endTime":957.31,"body":"one way or the other, I don't"},{"speaker":"Stephen Topliss","startTime":954.79,"endTime":957.31,"body":"remember exactly how, but the"},{"speaker":"Stephen Topliss","startTime":957.31,"endTime":961.93,"body":"police had identified that there"},{"speaker":"Stephen Topliss","startTime":957.31,"endTime":961.93,"body":"was a potential link to a hotel"},{"speaker":"Stephen Topliss","startTime":961.93,"endTime":965.17,"body":"room, and they did a raid on"},{"speaker":"Stephen Topliss","startTime":961.93,"endTime":965.17,"body":"this hotel room, found and"},{"speaker":"Stephen Topliss","startTime":965.17,"endTime":969.19,"body":"arrested a couple of men in"},{"speaker":"Stephen Topliss","startTime":965.17,"endTime":969.19,"body":"there and seized a laptop. That"},{"speaker":"Stephen Topliss","startTime":969.19,"endTime":972.58,"body":"laptop was actually opened at"},{"speaker":"Stephen Topliss","startTime":969.19,"endTime":972.58,"body":"the time in an online banking"},{"speaker":"Stephen Topliss","startTime":972.58,"endTime":978.52,"body":"session. So they now had"},{"speaker":"Stephen Topliss","startTime":972.58,"endTime":978.52,"body":"suspects, they had a laptop and"},{"speaker":"Stephen Topliss","startTime":978.52,"endTime":983.56,"body":"they had records from several of"},{"speaker":"Stephen Topliss","startTime":978.52,"endTime":983.56,"body":"the UK banks, highlighting"},{"speaker":"Stephen Topliss","startTime":983.74,"endTime":988.33,"body":"fraudulent transactions,"},{"speaker":"Stephen Topliss","startTime":983.74,"endTime":988.33,"body":"fraudulent money transfers. They"},{"speaker":"Stephen Topliss","startTime":988.33,"endTime":991.72,"body":"were pretty sure that this was"},{"speaker":"Stephen Topliss","startTime":988.33,"endTime":991.72,"body":"all linked, but they couldn't"},{"speaker":"Stephen Topliss","startTime":991.75,"endTime":995.65,"body":"link them together. And so one"},{"speaker":"Stephen Topliss","startTime":991.75,"endTime":995.65,"body":"of our banks and one of our"},{"speaker":"Stephen Topliss","startTime":995.65,"endTime":999.88,"body":"banking customers came to us and"},{"speaker":"Stephen Topliss","startTime":995.65,"endTime":999.88,"body":"said, can you help us explain"},{"speaker":"Stephen Topliss","startTime":1000.03,"endTime":1004.92,"body":"the data that we have to your"},{"speaker":"Stephen Topliss","startTime":1000.03,"endTime":1004.92,"body":"service to the police? So I got"},{"speaker":"Stephen Topliss","startTime":1004.92,"endTime":1007.74,"body":"personally involved there and"},{"speaker":"Stephen Topliss","startTime":1004.92,"endTime":1007.74,"body":"worked together with the bank"},{"speaker":"Stephen Topliss","startTime":1007.74,"endTime":1012.99,"body":"and one of the police officers"},{"speaker":"Stephen Topliss","startTime":1007.74,"endTime":1012.99,"body":"to look at that device and"},{"speaker":"Stephen Topliss","startTime":1012.99,"endTime":1016.14,"body":"through doing some analysis"},{"speaker":"Stephen Topliss","startTime":1012.99,"endTime":1016.14,"body":"around the device, we were able"},{"speaker":"Stephen Topliss","startTime":1016.14,"endTime":1023.1,"body":"to identify how that device was"},{"speaker":"Stephen Topliss","startTime":1016.14,"endTime":1023.1,"body":"linked to the individual events,"},{"speaker":"Stephen Topliss","startTime":1023.16,"endTime":1027.3,"body":"and that device ID that I"},{"speaker":"Stephen Topliss","startTime":1023.16,"endTime":1027.3,"body":"mentioned earlier. And so I I"},{"speaker":"Stephen Topliss","startTime":1027.3,"endTime":1030.57,"body":"generated, I wrote up a witness"},{"speaker":"Stephen Topliss","startTime":1027.3,"endTime":1030.57,"body":"statement for that to help in"},{"speaker":"Stephen Topliss","startTime":1030.57,"endTime":1034.32,"body":"the prosecution there and it was"},{"speaker":"Stephen Topliss","startTime":1030.57,"endTime":1034.32,"body":"really one of the first times"},{"speaker":"Stephen Topliss","startTime":1034.35,"endTime":1039.33,"body":"that we were able to see the"},{"speaker":"Stephen Topliss","startTime":1034.35,"endTime":1039.33,"body":"police actually prosecute, based"},{"speaker":"Stephen Topliss","startTime":1039.36,"endTime":1044.19,"body":"on actual online crime using"},{"speaker":"Stephen Topliss","startTime":1039.36,"endTime":1044.19,"body":"digital intelligence. And these"},{"speaker":"Stephen Topliss","startTime":1044.76,"endTime":1047.73,"body":".."},{"speaker":"Stephen Topliss","startTime":1047.01,"endTime":1049.74,"body":"you know, personally very"},{"speaker":"Stephen Topliss","startTime":1047.01,"endTime":1049.74,"body":"satisfying, but I think for the"},{"speaker":"Stephen Topliss","startTime":1049.74,"endTime":1052.38,"body":"industry as a whole, it was"},{"speaker":"Stephen Topliss","startTime":1049.74,"endTime":1052.38,"body":"nice, because it started"},{"speaker":"Stephen Topliss","startTime":1052.38,"endTime":1055.59,"body":"changing the focus and made"},{"speaker":"Stephen Topliss","startTime":1052.38,"endTime":1055.59,"body":"people think they could actually"},{"speaker":"Stephen Topliss","startTime":1055.59,"endTime":1058.2,"body":"succeed in prosecuting some of"},{"speaker":"Stephen Topliss","startTime":1055.59,"endTime":1058.2,"body":"these criminals."},{"speaker":"YS Chi","startTime":1058.23,"endTime":1060.57,"body":"Right. That's what I"},{"speaker":"YS Chi","startTime":1058.23,"endTime":1060.57,"body":"think probably what they wanted"},{"speaker":"YS Chi","startTime":1060.57,"endTime":1063.93,"body":"to see is a proof that it can be"},{"speaker":"YS Chi","startTime":1060.57,"endTime":1063.93,"body":"done. Right?"},{"speaker":"Stephen Topliss","startTime":1063.96,"endTime":1065.16,"body":"Exactly,"},{"speaker":"Stephen Topliss","startTime":1063.96,"endTime":1065.16,"body":"exactly."},{"speaker":"YS Chi","startTime":1065.31,"endTime":1070.2,"body":"Well, the pandemic, I'm"},{"speaker":"YS Chi","startTime":1065.31,"endTime":1070.2,"body":"sure has caused, not only the"},{"speaker":"YS Chi","startTime":1070.2,"endTime":1073.17,"body":"disruption suffering to the most"},{"speaker":"YS Chi","startTime":1070.2,"endTime":1073.17,"body":"of us, but it is become an"},{"speaker":"YS Chi","startTime":1073.17,"endTime":1079.35,"body":"exploitative opportunity for"},{"speaker":"YS Chi","startTime":1073.17,"endTime":1079.35,"body":"these fraudsters. So what is the"},{"speaker":"YS Chi","startTime":1079.35,"endTime":1083.28,"body":"impact of COVID on financial"},{"speaker":"YS Chi","startTime":1079.35,"endTime":1083.28,"body":"crime, as you can see already?"},{"speaker":"Stephen Topliss","startTime":1084.21,"endTime":1086.04,"body":"So it's changed"},{"speaker":"Stephen Topliss","startTime":1084.21,"endTime":1086.04,"body":"actually during the course of"},{"speaker":"Stephen Topliss","startTime":1086.04,"endTime":1090.45,"body":"the pandemic. So at the"},{"speaker":"Stephen Topliss","startTime":1086.04,"endTime":1090.45,"body":"beginning, as these lockdowns"},{"speaker":"Stephen Topliss","startTime":1090.45,"endTime":1093.72,"body":"started coming into force around"},{"speaker":"Stephen Topliss","startTime":1090.45,"endTime":1093.72,"body":"the world. When we looked in our"},{"speaker":"Stephen Topliss","startTime":1093.72,"endTime":1096.93,"body":"data, we saw that actually the"},{"speaker":"Stephen Topliss","startTime":1093.72,"endTime":1096.93,"body":"fraudsters were being impacted"},{"speaker":"Stephen Topliss","startTime":1096.93,"endTime":1099.75,"body":"as much as the rest of us, so"},{"speaker":"Stephen Topliss","startTime":1096.93,"endTime":1099.75,"body":"fraud actually decreased"},{"speaker":"Stephen Topliss","startTime":1099.75,"endTime":1106.23,"body":"initially. And then as we've"},{"speaker":"Stephen Topliss","startTime":1099.75,"endTime":1106.23,"body":"seen this rapid growth in"},{"speaker":"Stephen Topliss","startTime":1106.32,"endTime":1109.2,"body":"digital transactions online, as"},{"speaker":"Stephen Topliss","startTime":1106.32,"endTime":1109.2,"body":"everyone starts shopping from"},{"speaker":"Stephen Topliss","startTime":1109.2,"endTime":1113.91,"body":"home, as everyone's logging in"},{"speaker":"Stephen Topliss","startTime":1109.2,"endTime":1113.91,"body":"remotely to services from home,"},{"speaker":"Stephen Topliss","startTime":1114.3,"endTime":1118.38,"body":"we've seen the volumes of good"},{"speaker":"Stephen Topliss","startTime":1114.3,"endTime":1118.38,"body":"transactions go up very, very"},{"speaker":"Stephen Topliss","startTime":1118.38,"endTime":1123.24,"body":"fast, and the fraud has gone up"},{"speaker":"Stephen Topliss","startTime":1118.38,"endTime":1123.24,"body":"as well. Luckily, the fraud"},{"speaker":"Stephen Topliss","startTime":1123.24,"endTime":1126.57,"body":"hasn't gone up as fast as the"},{"speaker":"Stephen Topliss","startTime":1123.24,"endTime":1126.57,"body":"good transactions, at least not"},{"speaker":"Stephen Topliss","startTime":1126.57,"endTime":1130.11,"body":"in the data that we're seeing."},{"speaker":"Stephen Topliss","startTime":1126.57,"endTime":1130.11,"body":"But what we do then see is the"},{"speaker":"Stephen Topliss","startTime":1130.11,"endTime":1133.77,"body":"fraudsters are shifting to the"},{"speaker":"Stephen Topliss","startTime":1130.11,"endTime":1133.77,"body":"opportunities that are out"},{"speaker":"Stephen Topliss","startTime":1133.77,"endTime":1140.1,"body":"there. So you can imagine that"},{"speaker":"Stephen Topliss","startTime":1133.77,"endTime":1140.1,"body":"everyone working from home, not"},{"speaker":"Stephen Topliss","startTime":1140.16,"endTime":1143.43,"body":"everyone is used to doing that,"},{"speaker":"Stephen Topliss","startTime":1140.16,"endTime":1143.43,"body":"not everyone has the maybe the"},{"speaker":"Stephen Topliss","startTime":1143.43,"endTime":1148.89,"body":"same security in place. There's"},{"speaker":"Stephen Topliss","startTime":1143.43,"endTime":1148.89,"body":"potentially opportunity for"},{"speaker":"Stephen Topliss","startTime":1148.89,"endTime":1152.64,"body":"fraudsters to take advantage of"},{"speaker":"Stephen Topliss","startTime":1148.89,"endTime":1152.64,"body":"that. Then there are also new"},{"speaker":"Stephen Topliss","startTime":1152.64,"endTime":1156.75,"body":"opportunities for new types of"},{"speaker":"Stephen Topliss","startTime":1152.64,"endTime":1156.75,"body":"fraud. So around the world, we"},{"speaker":"Stephen Topliss","startTime":1156.75,"endTime":1159.99,"body":"see the government's, you know,"},{"speaker":"Stephen Topliss","startTime":1156.75,"endTime":1159.99,"body":"government supported loans that"},{"speaker":"Stephen Topliss","startTime":1159.99,"endTime":1162.45,"body":"are being made available to"},{"speaker":"Stephen Topliss","startTime":1159.99,"endTime":1162.45,"body":"businesses to get them through"},{"speaker":"Stephen Topliss","startTime":1162.45,"endTime":1165.99,"body":"the pandemic, and they are"},{"speaker":"Stephen Topliss","startTime":1162.45,"endTime":1165.99,"body":"absolutely the new target for"},{"speaker":"Stephen Topliss","startTime":1165.99,"endTime":1167.82,"body":"the fraudsters. So we're seeing"},{"speaker":"Stephen Topliss","startTime":1165.99,"endTime":1167.82,"body":"fradusters."},{"speaker":"YS Chi","startTime":1167.84,"endTime":1168.44,"body":"Easy money."},{"speaker":"Stephen Topliss","startTime":1168.62,"endTime":1171.77,"body":"It's easy money"},{"speaker":"Stephen Topliss","startTime":1168.62,"endTime":1171.77,"body":"and the thing is those"},{"speaker":"Stephen Topliss","startTime":1171.77,"endTime":1174.35,"body":"programmes are being rolled out"},{"speaker":"Stephen Topliss","startTime":1171.77,"endTime":1174.35,"body":"rapidly, so people can take"},{"speaker":"Stephen Topliss","startTime":1174.35,"endTime":1175.79,"body":"advantage, and that..."},{"speaker":"YS Chi","startTime":1175.79,"endTime":1176.66,"body":"With a bunch of holes"},{"speaker":"Stephen Topliss","startTime":1176.69,"endTime":1178.7,"body":"Exactly."},{"speaker":"Stephen Topliss","startTime":1176.69,"endTime":1178.7,"body":"Exactly, and the fraudsters are"},{"speaker":"Stephen Topliss","startTime":1178.7,"endTime":1179.36,"body":"all over that."},{"speaker":"YS Chi","startTime":1179.0,"endTime":1181.7,"body":"And the amounts are"},{"speaker":"YS Chi","startTime":1179.0,"endTime":1181.7,"body":"small, too, isn't it Stephen? So"},{"speaker":"YS Chi","startTime":1181.7,"endTime":1186.17,"body":"that, you know, nobody's really"},{"speaker":"YS Chi","startTime":1181.7,"endTime":1186.17,"body":"going after the 200 frauds they"},{"speaker":"YS Chi","startTime":1186.17,"endTime":1189.2,"body":"want to go after the 2 million"},{"speaker":"YS Chi","startTime":1186.17,"endTime":1189.2,"body":"fraud and some of these can be"},{"speaker":"YS Chi","startTime":1189.2,"endTime":1189.74,"body":"lost."},{"speaker":"Stephen Topliss","startTime":1189.74,"endTime":1192.65,"body":"Yeah exactly,"},{"speaker":"Stephen Topliss","startTime":1189.74,"endTime":1192.65,"body":"exactly. So that's definitely"},{"speaker":"Stephen Topliss","startTime":1192.71,"endTime":1193.19,"body":"concerning."},{"speaker":"YS Chi","startTime":1193.52,"endTime":1196.64,"body":"What would you say that"},{"speaker":"YS Chi","startTime":1193.52,"endTime":1196.64,"body":"we can do to protect ourselves"},{"speaker":"YS Chi","startTime":1196.64,"endTime":1199.52,"body":"and not help criminals get away"},{"speaker":"YS Chi","startTime":1196.64,"endTime":1199.52,"body":"too easy?"},{"speaker":"Stephen Topliss","startTime":1201.16,"endTime":1202.93,"body":"You know, a lot"},{"speaker":"Stephen Topliss","startTime":1201.16,"endTime":1202.93,"body":"of it and I hate to say it, but"},{"speaker":"Stephen Topliss","startTime":1202.93,"endTime":1206.62,"body":"a lot of it comes down to common"},{"speaker":"Stephen Topliss","startTime":1202.93,"endTime":1206.62,"body":"sense. I've seen plenty of"},{"speaker":"Stephen Topliss","startTime":1206.62,"endTime":1210.49,"body":"examples of fraud prevention"},{"speaker":"Stephen Topliss","startTime":1206.62,"endTime":1210.49,"body":"experts as well being caught"},{"speaker":"Stephen Topliss","startTime":1210.49,"endTime":1216.34,"body":"out. So we should never be, you"},{"speaker":"Stephen Topliss","startTime":1210.49,"endTime":1216.34,"body":"know, embarrassed or concerned"},{"speaker":"Stephen Topliss","startTime":1216.34,"endTime":1220.66,"body":"about sharing, you know,"},{"speaker":"Stephen Topliss","startTime":1216.34,"endTime":1220.66,"body":"questioning something. But you"},{"speaker":"Stephen Topliss","startTime":1220.66,"endTime":1224.29,"body":"know, only share what personal"},{"speaker":"Stephen Topliss","startTime":1220.66,"endTime":1224.29,"body":"data you need to share when"},{"speaker":"Stephen Topliss","startTime":1224.29,"endTime":1227.71,"body":"necessary when you're online."},{"speaker":"Stephen Topliss","startTime":1224.29,"endTime":1227.71,"body":"Use trusted websites if you're"},{"speaker":"Stephen Topliss","startTime":1227.71,"endTime":1231.94,"body":"going to buy online. Buy from"},{"speaker":"Stephen Topliss","startTime":1227.71,"endTime":1231.94,"body":"the websites that you can trust."},{"speaker":"Stephen Topliss","startTime":1231.94,"endTime":1234.88,"body":"If you're using a new website,"},{"speaker":"Stephen Topliss","startTime":1231.94,"endTime":1234.88,"body":"you know, just spend a bit of"},{"speaker":"Stephen Topliss","startTime":1234.88,"endTime":1237.67,"body":"time checking that it doesn't,"},{"speaker":"Stephen Topliss","startTime":1234.88,"endTime":1237.67,"body":"that it doesn't look a bit"},{"speaker":"Stephen Topliss","startTime":1237.73,"endTime":1241.42,"body":"dodgy. Look out for anything"},{"speaker":"Stephen Topliss","startTime":1237.73,"endTime":1241.42,"body":"unusual and suspicious."},{"speaker":"Stephen Topliss","startTime":1241.96,"endTime":1244.6,"body":"Definitely don't trust anything"},{"speaker":"Stephen Topliss","startTime":1241.96,"endTime":1244.6,"body":"that sounds too good to be true,"},{"speaker":"Stephen Topliss","startTime":1244.6,"endTime":1248.05,"body":"because it probably isn't. And"},{"speaker":"Stephen Topliss","startTime":1244.6,"endTime":1248.05,"body":"then the last thing is,"},{"speaker":"Stephen Topliss","startTime":1248.47,"endTime":1251.17,"body":"especially on the payment side,"},{"speaker":"Stephen Topliss","startTime":1248.47,"endTime":1251.17,"body":"keep an eye out on those bank"},{"speaker":"Stephen Topliss","startTime":1251.17,"endTime":1254.05,"body":"statements. I think that's also"},{"speaker":"Stephen Topliss","startTime":1251.17,"endTime":1254.05,"body":"a big risk that we don't"},{"speaker":"Stephen Topliss","startTime":1254.05,"endTime":1257.8,"body":"necessarily look at those as"},{"speaker":"Stephen Topliss","startTime":1254.05,"endTime":1257.8,"body":"much anymore, especially as"},{"speaker":"Stephen Topliss","startTime":1258.04,"endTime":1261.28,"body":"we're sometimes moving from"},{"speaker":"Stephen Topliss","startTime":1258.04,"endTime":1261.28,"body":"getting paper statements that we"},{"speaker":"Stephen Topliss","startTime":1261.28,"endTime":1264.22,"body":"would open on a monthly basis"},{"speaker":"Stephen Topliss","startTime":1261.28,"endTime":1264.22,"body":"and scan through them, to now"},{"speaker":"Stephen Topliss","startTime":1264.22,"endTime":1268.39,"body":"having everything online. That's"},{"speaker":"Stephen Topliss","startTime":1264.22,"endTime":1268.39,"body":"what fraudsters also, you know,"},{"speaker":"Stephen Topliss","startTime":1268.66,"endTime":1271.75,"body":"are playing on the people maybe"},{"speaker":"Stephen Topliss","startTime":1268.66,"endTime":1271.75,"body":"don't notice those small"},{"speaker":"Stephen Topliss","startTime":1271.75,"endTime":1272.95,"body":"transactions coming through."},{"speaker":"YS Chi","startTime":1273.83,"endTime":1277.13,"body":"Where there is"},{"speaker":"YS Chi","startTime":1273.83,"endTime":1277.13,"body":"prosperity, there is a magnet"},{"speaker":"YS Chi","startTime":1277.13,"endTime":1281.27,"body":"for fraudsters who like to take"},{"speaker":"YS Chi","startTime":1277.13,"endTime":1281.27,"body":"shortcuts like parasites."},{"speaker":"Stephen Topliss","startTime":1281.3,"endTime":1281.99,"body":"Exactly."},{"speaker":"YS Chi","startTime":1282.67,"endTime":1287.11,"body":"Yeah. Well, thank you"},{"speaker":"YS Chi","startTime":1282.67,"endTime":1287.11,"body":"for that background. Shall we"},{"speaker":"YS Chi","startTime":1287.11,"endTime":1291.46,"body":"move on to how ThreatMetrix and"},{"speaker":"YS Chi","startTime":1287.11,"endTime":1291.46,"body":"more broadly LexisNexis Risk"},{"speaker":"YS Chi","startTime":1291.46,"endTime":1294.79,"body":"Solutions are addressing these"},{"speaker":"YS Chi","startTime":1291.46,"endTime":1294.79,"body":"issues? You're working at the"},{"speaker":"YS Chi","startTime":1294.79,"endTime":1298.72,"body":"extreme front of digital"},{"speaker":"YS Chi","startTime":1294.79,"endTime":1298.72,"body":"identity intelligence, which is"},{"speaker":"YS Chi","startTime":1298.72,"endTime":1302.89,"body":"all about aggregating billions"},{"speaker":"YS Chi","startTime":1298.72,"endTime":1302.89,"body":"of anonymized transactions. I"},{"speaker":"YS Chi","startTime":1302.89,"endTime":1306.76,"body":"guess to differentiate a trusted"},{"speaker":"YS Chi","startTime":1302.89,"endTime":1306.76,"body":"customer from a cyber attack. I"},{"speaker":"YS Chi","startTime":1306.76,"endTime":1311.05,"body":"understand you can do this in"},{"speaker":"YS Chi","startTime":1306.76,"endTime":1311.05,"body":"really near real time. Can you"},{"speaker":"YS Chi","startTime":1311.59,"endTime":1315.01,"body":"tell us how it works without"},{"speaker":"YS Chi","startTime":1311.59,"endTime":1315.01,"body":"revealing any undue trade"},{"speaker":"YS Chi","startTime":1315.01,"endTime":1315.61,"body":"secrets?"},{"speaker":"Stephen Topliss","startTime":1316.17,"endTime":1319.05,"body":"Yeah,"},{"speaker":"Stephen Topliss","startTime":1316.17,"endTime":1319.05,"body":"absolutely. So I mentioned"},{"speaker":"Stephen Topliss","startTime":1319.05,"endTime":1323.82,"body":"earlier the concept of a device"},{"speaker":"Stephen Topliss","startTime":1319.05,"endTime":1323.82,"body":"ID and identifier for a device."},{"speaker":"Stephen Topliss","startTime":1324.57,"endTime":1329.85,"body":"If we start simply and we look"},{"speaker":"Stephen Topliss","startTime":1324.57,"endTime":1329.85,"body":"at kind of the initial approach"},{"speaker":"Stephen Topliss","startTime":1329.88,"endTime":1334.8,"body":"to building fraud rules, to"},{"speaker":"Stephen Topliss","startTime":1329.88,"endTime":1334.8,"body":"catch online fraud. We would"},{"speaker":"Stephen Topliss","startTime":1334.8,"endTime":1338.94,"body":"take a device ID and we would"},{"speaker":"Stephen Topliss","startTime":1334.8,"endTime":1338.94,"body":"look for unusual things related"},{"speaker":"Stephen Topliss","startTime":1338.94,"endTime":1343.83,"body":"to that. So a couple of really"},{"speaker":"Stephen Topliss","startTime":1338.94,"endTime":1343.83,"body":"simple examples would be, is one"},{"speaker":"Stephen Topliss","startTime":1343.83,"endTime":1348.39,"body":"device actually buying things"},{"speaker":"Stephen Topliss","startTime":1343.83,"endTime":1348.39,"body":"online with more than, say, two"},{"speaker":"Stephen Topliss","startTime":1348.39,"endTime":1352.2,"body":"or three different credit cards?"},{"speaker":"Stephen Topliss","startTime":1348.39,"endTime":1352.2,"body":"That could be an indication of a"},{"speaker":"Stephen Topliss","startTime":1352.2,"endTime":1354.48,"body":"fraudster with a list of stolen"},{"speaker":"Stephen Topliss","startTime":1352.2,"endTime":1354.48,"body":"credit cards that they're"},{"speaker":"Stephen Topliss","startTime":1354.48,"endTime":1359.58,"body":"testing. Or with that one device"},{"speaker":"Stephen Topliss","startTime":1354.48,"endTime":1359.58,"body":"do I have, you know, really"},{"speaker":"Stephen Topliss","startTime":1359.58,"endTime":1362.07,"body":"quite a number of different"},{"speaker":"Stephen Topliss","startTime":1359.58,"endTime":1362.07,"body":"email addresses that I'm using"},{"speaker":"Stephen Topliss","startTime":1362.07,"endTime":1365.64,"body":"to log into different accounts?"},{"speaker":"Stephen Topliss","startTime":1362.07,"endTime":1365.64,"body":"Again, that could be indicative"},{"speaker":"Stephen Topliss","startTime":1365.64,"endTime":1371.07,"body":"of someone having a list of"},{"speaker":"Stephen Topliss","startTime":1365.64,"endTime":1371.07,"body":"compromised data. So, in fraud"},{"speaker":"Stephen Topliss","startTime":1371.07,"endTime":1375.57,"body":"analysis, we have that data. We"},{"speaker":"Stephen Topliss","startTime":1371.07,"endTime":1375.57,"body":"have the digital intelligence"},{"speaker":"Stephen Topliss","startTime":1375.57,"endTime":1379.38,"body":"and we combine it with the event"},{"speaker":"Stephen Topliss","startTime":1375.57,"endTime":1379.38,"body":"data, the transactional data,"},{"speaker":"Stephen Topliss","startTime":1379.38,"endTime":1383.67,"body":"whether it's a credit card"},{"speaker":"Stephen Topliss","startTime":1379.38,"endTime":1383.67,"body":"number, or an email address, or"},{"speaker":"Stephen Topliss","startTime":1383.67,"endTime":1387.63,"body":"phone number, or name, or"},{"speaker":"Stephen Topliss","startTime":1383.67,"endTime":1387.63,"body":"something like that. All of"},{"speaker":"Stephen Topliss","startTime":1387.63,"endTime":1393.12,"body":"those pieces of information are"},{"speaker":"Stephen Topliss","startTime":1387.63,"endTime":1393.12,"body":"anonymized or hashed in the"},{"speaker":"Stephen Topliss","startTime":1393.12,"endTime":1397.74,"body":"database, and what we can do,"},{"speaker":"Stephen Topliss","startTime":1393.12,"endTime":1397.74,"body":"what we do over time and with"},{"speaker":"Stephen Topliss","startTime":1397.74,"endTime":1401.16,"body":"those fraud rules, is we also"},{"speaker":"Stephen Topliss","startTime":1397.74,"endTime":1401.16,"body":"looked to compare over time. So,"},{"speaker":"Stephen Topliss","startTime":1401.79,"endTime":1405.93,"body":"if I log into my account today,"},{"speaker":"Stephen Topliss","startTime":1401.79,"endTime":1405.93,"body":"how does that behaviour compare"},{"speaker":"Stephen Topliss","startTime":1405.93,"endTime":1409.44,"body":"to when I logged in yesterday?"},{"speaker":"Stephen Topliss","startTime":1405.93,"endTime":1409.44,"body":"Is it? Am I using the same"},{"speaker":"Stephen Topliss","startTime":1409.44,"endTime":1413.52,"body":"device? Do I have the same kind"},{"speaker":"Stephen Topliss","startTime":1409.44,"endTime":1413.52,"body":"of relationships between those,"},{"speaker":"Stephen Topliss","startTime":1413.67,"endTime":1417.3,"body":"those identifiers? What we"},{"speaker":"Stephen Topliss","startTime":1413.67,"endTime":1417.3,"body":"realised over time, actually was"},{"speaker":"Stephen Topliss","startTime":1417.3,"endTime":1422.1,"body":"that we were kind of creating, a"},{"speaker":"Stephen Topliss","startTime":1417.3,"endTime":1422.1,"body":"kind of digital identity."},{"speaker":"Stephen Topliss","startTime":1422.49,"endTime":1424.62,"body":"Nowadays everyone talks about"},{"speaker":"Stephen Topliss","startTime":1422.49,"endTime":1424.62,"body":"digital identity without"},{"speaker":"Stephen Topliss","startTime":1424.62,"endTime":1428.58,"body":"thinking about it. But for us, I"},{"speaker":"Stephen Topliss","startTime":1424.62,"endTime":1428.58,"body":"guess six or seven years ago, we"},{"speaker":"Stephen Topliss","startTime":1428.97,"endTime":1432.15,"body":"started thinking.  Yeah, this is"},{"speaker":"Stephen Topliss","startTime":1428.97,"endTime":1432.15,"body":"a form of identity in the"},{"speaker":"Stephen Topliss","startTime":1432.15,"endTime":1436.32,"body":"digital space. And that's one of"},{"speaker":"Stephen Topliss","startTime":1432.15,"endTime":1436.32,"body":"the reasons we refer to that"},{"speaker":"Stephen Topliss","startTime":1436.35,"endTime":1440.07,"body":"solution today. So basically,"},{"speaker":"Stephen Topliss","startTime":1436.35,"endTime":1440.07,"body":"what the solution is doing is,"},{"speaker":"Stephen Topliss","startTime":1440.07,"endTime":1444.15,"body":"in real time, every time we"},{"speaker":"Stephen Topliss","startTime":1440.07,"endTime":1444.15,"body":"analyse an event for one of our"},{"speaker":"Stephen Topliss","startTime":1444.15,"endTime":1448.35,"body":"clients. We're taking the data"},{"speaker":"Stephen Topliss","startTime":1444.15,"endTime":1448.35,"body":"from the event, we anonymize it,"},{"speaker":"Stephen Topliss","startTime":1448.56,"endTime":1453.24,"body":"and then we create this digital"},{"speaker":"Stephen Topliss","startTime":1448.56,"endTime":1453.24,"body":"identity. We see how it aligns"},{"speaker":"Stephen Topliss","startTime":1453.27,"endTime":1457.38,"body":"with the digital identity's"},{"speaker":"Stephen Topliss","startTime":1453.27,"endTime":1457.38,"body":"history in that global network,"},{"speaker":"Stephen Topliss","startTime":1457.98,"endTime":1461.28,"body":"with the goal to basically"},{"speaker":"Stephen Topliss","startTime":1457.98,"endTime":1461.28,"body":"understand, is it looking like"},{"speaker":"Stephen Topliss","startTime":1461.28,"endTime":1464.67,"body":"normal? Or is there something"},{"speaker":"Stephen Topliss","startTime":1461.28,"endTime":1464.67,"body":"different? So if I log into my"},{"speaker":"Stephen Topliss","startTime":1464.67,"endTime":1470.61,"body":"bank today, is my digital"},{"speaker":"Stephen Topliss","startTime":1464.67,"endTime":1470.61,"body":"fingerprint for this event, does"},{"speaker":"Stephen Topliss","startTime":1470.61,"endTime":1474.45,"body":"it generally match what has"},{"speaker":"Stephen Topliss","startTime":1470.61,"endTime":1474.45,"body":"logged in historically into my"},{"speaker":"Stephen Topliss","startTime":1474.45,"endTime":1477.93,"body":"account? If it does, then trust"},{"speaker":"Stephen Topliss","startTime":1474.45,"endTime":1477.93,"body":"me and let me in. If it doesn't"},{"speaker":"Stephen Topliss","startTime":1477.96,"endTime":1479.55,"body":"then raise a red flag to the"},{"speaker":"Stephen Topliss","startTime":1477.96,"endTime":1479.55,"body":"bank."},{"speaker":"YS Chi","startTime":1480.06,"endTime":1484.35,"body":"Right. This sounds like"},{"speaker":"YS Chi","startTime":1480.06,"endTime":1484.35,"body":"a smart person overcoming a"},{"speaker":"YS Chi","startTime":1484.56,"endTime":1488.85,"body":"smarter person, and yet another"},{"speaker":"YS Chi","startTime":1484.56,"endTime":1488.85,"body":"smart person on top of that."},{"speaker":"YS Chi","startTime":1500.04,"endTime":1502.59,"body":"For businesses, particularly"},{"speaker":"YS Chi","startTime":1500.04,"endTime":1502.59,"body":"online consumer facing ones,"},{"speaker":"YS Chi","startTime":1502.74,"endTime":1506.94,"body":"there is probably an ongoing"},{"speaker":"YS Chi","startTime":1502.74,"endTime":1506.94,"body":"challenge of balancing between"},{"speaker":"YS Chi","startTime":1506.94,"endTime":1511.41,"body":"convenience for the customer,"},{"speaker":"YS Chi","startTime":1506.94,"endTime":1511.41,"body":"and security verification.  Are"},{"speaker":"YS Chi","startTime":1511.41,"endTime":1514.5,"body":"there different approaches for"},{"speaker":"YS Chi","startTime":1511.41,"endTime":1514.5,"body":"different regions when it comes"},{"speaker":"YS Chi","startTime":1514.5,"endTime":1520.2,"body":"to combating fraud? And are"},{"speaker":"YS Chi","startTime":1514.5,"endTime":1520.2,"body":"there different approaches to"},{"speaker":"YS Chi","startTime":1520.2,"endTime":1523.68,"body":"security versus convenience"},{"speaker":"YS Chi","startTime":1520.2,"endTime":1523.68,"body":"between different generation"},{"speaker":"YS Chi","startTime":1523.68,"endTime":1524.31,"body":"perhaps?"},{"speaker":"Stephen Topliss","startTime":1524.78,"endTime":1527.87,"body":"Yeah, and"},{"speaker":"Stephen Topliss","startTime":1524.78,"endTime":1527.87,"body":"that's one of the fun things of"},{"speaker":"Stephen Topliss","startTime":1527.87,"endTime":1533.54,"body":"the international role because"},{"speaker":"Stephen Topliss","startTime":1527.87,"endTime":1533.54,"body":"there are clear differences. I"},{"speaker":"Stephen Topliss","startTime":1533.54,"endTime":1536.3,"body":"think they're changing over"},{"speaker":"Stephen Topliss","startTime":1533.54,"endTime":1536.3,"body":"time. So if we look at the US,"},{"speaker":"Stephen Topliss","startTime":1536.3,"endTime":1540.77,"body":"for example, I would say that"},{"speaker":"Stephen Topliss","startTime":1536.3,"endTime":1540.77,"body":"on, in the digital world or the"},{"speaker":"Stephen Topliss","startTime":1540.77,"endTime":1544.43,"body":"online world, the focus is"},{"speaker":"Stephen Topliss","startTime":1540.77,"endTime":1544.43,"body":"absolutely on customer"},{"speaker":"Stephen Topliss","startTime":1544.43,"endTime":1548.03,"body":"experience. Customer experience"},{"speaker":"Stephen Topliss","startTime":1544.43,"endTime":1548.03,"body":"is first in America, whether"},{"speaker":"Stephen Topliss","startTime":1548.03,"endTime":1553.22,"body":"you're in a store or whether"},{"speaker":"Stephen Topliss","startTime":1548.03,"endTime":1553.22,"body":"you're online. That can, that"},{"speaker":"Stephen Topliss","startTime":1553.94,"endTime":1560.36,"body":"experience can come at a raised"},{"speaker":"Stephen Topliss","startTime":1553.94,"endTime":1560.36,"body":"level of risk from a security"},{"speaker":"Stephen Topliss","startTime":1560.36,"endTime":1565.19,"body":"point of view. If you contrast"},{"speaker":"Stephen Topliss","startTime":1560.36,"endTime":1565.19,"body":"that to parts of continental"},{"speaker":"Stephen Topliss","startTime":1565.19,"endTime":1570.11,"body":"Europe, and parts of Asia"},{"speaker":"Stephen Topliss","startTime":1565.19,"endTime":1570.11,"body":"Pacific. In those cultures,"},{"speaker":"Stephen Topliss","startTime":1570.14,"endTime":1575.45,"body":"you're much more accustomed to"},{"speaker":"Stephen Topliss","startTime":1570.14,"endTime":1575.45,"body":"stronger, what we call multi"},{"speaker":"Stephen Topliss","startTime":1575.45,"endTime":1578.99,"body":"factor authentication when you"},{"speaker":"Stephen Topliss","startTime":1575.45,"endTime":1578.99,"body":"access services online. So"},{"speaker":"Stephen Topliss","startTime":1579.26,"endTime":1583.04,"body":"you'll be asked for a username"},{"speaker":"Stephen Topliss","startTime":1579.26,"endTime":1583.04,"body":"and password and then there'll"},{"speaker":"Stephen Topliss","startTime":1583.04,"endTime":1585.77,"body":"be another step. Maybe you'll be"},{"speaker":"Stephen Topliss","startTime":1583.04,"endTime":1585.77,"body":"you know, challenged in some"},{"speaker":"Stephen Topliss","startTime":1585.77,"endTime":1589.94,"body":"other way. So it's the"},{"speaker":"Stephen Topliss","startTime":1585.77,"endTime":1589.94,"body":"experience, the user experience,"},{"speaker":"Stephen Topliss","startTime":1589.94,"endTime":1593.75,"body":"there is more friction, as we"},{"speaker":"Stephen Topliss","startTime":1589.94,"endTime":1593.75,"body":"call it. But it's generally more"},{"speaker":"Stephen Topliss","startTime":1593.75,"endTime":1597.53,"body":"secure, and therefore the risk"},{"speaker":"Stephen Topliss","startTime":1593.75,"endTime":1597.53,"body":"of fraud and the rates of fraud"},{"speaker":"Stephen Topliss","startTime":1597.53,"endTime":1600.83,"body":"tend to be lower. The UK is"},{"speaker":"Stephen Topliss","startTime":1597.53,"endTime":1600.83,"body":"probably somewhere in between"},{"speaker":"Stephen Topliss","startTime":1600.83,"endTime":1604.85,"body":"the two. So that's what you see,"},{"speaker":"Stephen Topliss","startTime":1600.83,"endTime":1604.85,"body":"kind of generally around the"},{"speaker":"Stephen Topliss","startTime":1604.85,"endTime":1611.21,"body":"world. Then also consider that"},{"speaker":"Stephen Topliss","startTime":1604.85,"endTime":1611.21,"body":"type of industry and service,"},{"speaker":"Stephen Topliss","startTime":1611.21,"endTime":1616.31,"body":"there are also different levels"},{"speaker":"Stephen Topliss","startTime":1611.21,"endTime":1616.31,"body":"of security. The generational"},{"speaker":"Stephen Topliss","startTime":1616.31,"endTime":1620.39,"body":"question is a really interesting"},{"speaker":"Stephen Topliss","startTime":1616.31,"endTime":1620.39,"body":"one because what I described is"},{"speaker":"Stephen Topliss","startTime":1620.39,"endTime":1623.96,"body":"probably the norm right now. I"},{"speaker":"Stephen Topliss","startTime":1620.39,"endTime":1623.96,"body":"think that the shift is going to"},{"speaker":"Stephen Topliss","startTime":1623.96,"endTime":1629.36,"body":"come from the younger"},{"speaker":"Stephen Topliss","startTime":1623.96,"endTime":1629.36,"body":"generations. The way that"},{"speaker":"Stephen Topliss","startTime":1629.66,"endTime":1634.91,"body":"children at school and leaving"},{"speaker":"Stephen Topliss","startTime":1629.66,"endTime":1634.91,"body":"school now are so familiar with"},{"speaker":"Stephen Topliss","startTime":1634.91,"endTime":1639.2,"body":"all this digital technology and"},{"speaker":"Stephen Topliss","startTime":1634.91,"endTime":1639.2,"body":"the latest phones and devices."},{"speaker":"Stephen Topliss","startTime":1640.37,"endTime":1643.13,"body":"What we're seeing with the"},{"speaker":"Stephen Topliss","startTime":1640.37,"endTime":1643.13,"body":"younger generations, I think"},{"speaker":"Stephen Topliss","startTime":1643.13,"endTime":1646.76,"body":"what we're going to see, being a"},{"speaker":"Stephen Topliss","startTime":1643.13,"endTime":1646.76,"body":"bit of a disrupter here is that"},{"speaker":"Stephen Topliss","startTime":1648.32,"endTime":1652.28,"body":"those services that are more"},{"speaker":"Stephen Topliss","startTime":1648.32,"endTime":1652.28,"body":"securely protected with higher"},{"speaker":"Stephen Topliss","startTime":1652.28,"endTime":1655.88,"body":"levels of friction with stronger"},{"speaker":"Stephen Topliss","startTime":1652.28,"endTime":1655.88,"body":"authentication techniques, are"},{"speaker":"Stephen Topliss","startTime":1655.88,"endTime":1660.29,"body":"probably going to turn away"},{"speaker":"Stephen Topliss","startTime":1655.88,"endTime":1660.29,"body":"those younger people."},{"speaker":"YS Chi","startTime":1660.38,"endTime":1662.81,"body":"That sounds like you"},{"speaker":"YS Chi","startTime":1660.38,"endTime":1662.81,"body":"have to go through more doors to"},{"speaker":"YS Chi","startTime":1662.81,"endTime":1665.0,"body":"enter finally, to the"},{"speaker":"YS Chi","startTime":1662.81,"endTime":1665.0,"body":"performance."},{"speaker":"Stephen Topliss","startTime":1665.21,"endTime":1667.43,"body":"Yeah, yeah,"},{"speaker":"Stephen Topliss","startTime":1665.21,"endTime":1667.43,"body":"yeah. And they're going to look"},{"speaker":"Stephen Topliss","startTime":1667.43,"endTime":1671.03,"body":"for other services offering"},{"speaker":"Stephen Topliss","startTime":1667.43,"endTime":1671.03,"body":"similar service, but with an"},{"speaker":"Stephen Topliss","startTime":1671.12,"endTime":1675.86,"body":"easier entry point. So we are,"},{"speaker":"Stephen Topliss","startTime":1671.12,"endTime":1675.86,"body":"from a security point of view,"},{"speaker":"Stephen Topliss","startTime":1675.86,"endTime":1679.85,"body":"we are going to have to adapt to"},{"speaker":"Stephen Topliss","startTime":1675.86,"endTime":1679.85,"body":"meet the expectations of younger"},{"speaker":"Stephen Topliss","startTime":1679.85,"endTime":1684.11,"body":"generations. At the same time, I"},{"speaker":"Stephen Topliss","startTime":1679.85,"endTime":1684.11,"body":"think there's an educational"},{"speaker":"Stephen Topliss","startTime":1684.11,"endTime":1688.94,"body":"part that's the responsibility"},{"speaker":"Stephen Topliss","startTime":1684.11,"endTime":1688.94,"body":"of all of us. Public outreach"},{"speaker":"Stephen Topliss","startTime":1688.94,"endTime":1693.14,"body":"schools, organisations like"},{"speaker":"Stephen Topliss","startTime":1688.94,"endTime":1693.14,"body":"ourselves to make sure that the"},{"speaker":"Stephen Topliss","startTime":1693.14,"endTime":1697.25,"body":"young are really aware of the"},{"speaker":"Stephen Topliss","startTime":1693.14,"endTime":1697.25,"body":"risks online, and that they"},{"speaker":"Stephen Topliss","startTime":1697.25,"endTime":1701.84,"body":"shouldn't be too open with"},{"speaker":"Stephen Topliss","startTime":1697.25,"endTime":1701.84,"body":"sharing their data. Just to"},{"speaker":"Stephen Topliss","startTime":1701.84,"endTime":1703.22,"body":"protect themselves a little bit."},{"speaker":"YS Chi","startTime":1703.67,"endTime":1706.31,"body":"I suppose they need to"},{"speaker":"YS Chi","startTime":1703.67,"endTime":1706.31,"body":"know that there's a pain on the"},{"speaker":"YS Chi","startTime":1706.31,"endTime":1707.96,"body":"other end for being careless."},{"speaker":"Stephen Topliss","startTime":1708.05,"endTime":1709.49,"body":"Exactly,"},{"speaker":"Stephen Topliss","startTime":1708.05,"endTime":1709.49,"body":"exactly."},{"speaker":"YS Chi","startTime":1709.96,"endTime":1712.87,"body":"For adults, it could be"},{"speaker":"YS Chi","startTime":1709.96,"endTime":1712.87,"body":"loss of, you know financial"},{"speaker":"YS Chi","startTime":1712.87,"endTime":1716.41,"body":"assets. For young people it"},{"speaker":"YS Chi","startTime":1712.87,"endTime":1716.41,"body":"might have to be an embarrassing"},{"speaker":"YS Chi","startTime":1716.41,"endTime":1717.25,"body":"situation."},{"speaker":"Stephen Topliss","startTime":1717.42,"endTime":1720.15,"body":"Yep. Well"},{"speaker":"Stephen Topliss","startTime":1717.42,"endTime":1720.15,"body":"exactly, exactly, and it's, I"},{"speaker":"Stephen Topliss","startTime":1720.15,"endTime":1723.03,"body":"think it's something that we can"},{"speaker":"Stephen Topliss","startTime":1720.15,"endTime":1723.03,"body":"do more of. It's really"},{"speaker":"Stephen Topliss","startTime":1723.03,"endTime":1726.69,"body":"interesting. I spent, I spent"},{"speaker":"Stephen Topliss","startTime":1723.03,"endTime":1726.69,"body":"two years, I dragged my family"},{"speaker":"Stephen Topliss","startTime":1726.69,"endTime":1730.74,"body":"to Silicon Valley for two years"},{"speaker":"Stephen Topliss","startTime":1726.69,"endTime":1730.74,"body":"to live out there and when they"},{"speaker":"Stephen Topliss","startTime":1730.74,"endTime":1736.17,"body":"were in the the American schools"},{"speaker":"Stephen Topliss","startTime":1730.74,"endTime":1736.17,"body":"there, they really had lessons"},{"speaker":"Stephen Topliss","startTime":1736.17,"endTime":1741.81,"body":"that focused on exactly that."},{"speaker":"Stephen Topliss","startTime":1736.17,"endTime":1741.81,"body":"How to be safe online. I feel"},{"speaker":"Stephen Topliss","startTime":1741.81,"endTime":1744.27,"body":"since we've moved back to"},{"speaker":"Stephen Topliss","startTime":1741.81,"endTime":1744.27,"body":"Europe, I feel that we do that a"},{"speaker":"Stephen Topliss","startTime":1744.27,"endTime":1747.93,"body":"little bit less in Europe. So I"},{"speaker":"Stephen Topliss","startTime":1744.27,"endTime":1747.93,"body":"think that's something we should"},{"speaker":"Stephen Topliss","startTime":1747.93,"endTime":1750.42,"body":"do more and make make children"},{"speaker":"Stephen Topliss","startTime":1747.93,"endTime":1750.42,"body":"more aware of."},{"speaker":"YS Chi","startTime":1750.75,"endTime":1755.97,"body":"Yeah. I think that this"},{"speaker":"YS Chi","startTime":1750.75,"endTime":1755.97,"body":"trade off is one that companies"},{"speaker":"YS Chi","startTime":1755.97,"endTime":1759.33,"body":"have to make also, but we as"},{"speaker":"YS Chi","startTime":1755.97,"endTime":1759.33,"body":"individuals have to make,"},{"speaker":"YS Chi","startTime":1759.75,"endTime":1765.78,"body":"between our privacy and"},{"speaker":"YS Chi","startTime":1759.75,"endTime":1765.78,"body":"convenience. When we do that"},{"speaker":"YS Chi","startTime":1765.78,"endTime":1768.69,"body":"properly, we can take"},{"speaker":"YS Chi","startTime":1765.78,"endTime":1768.69,"body":"responsibility for the choices"},{"speaker":"YS Chi","startTime":1768.69,"endTime":1769.47,"body":"that we make."},{"speaker":"Stephen Topliss","startTime":1769.86,"endTime":1772.26,"body":"So I think as a"},{"speaker":"Stephen Topliss","startTime":1769.86,"endTime":1772.26,"body":"society, we've become"},{"speaker":"Stephen Topliss","startTime":1772.29,"endTime":1777.27,"body":"increasingly aware of how our"},{"speaker":"Stephen Topliss","startTime":1772.29,"endTime":1777.27,"body":"data online is potentially being"},{"speaker":"Stephen Topliss","startTime":1777.27,"endTime":1783.24,"body":"harvested and used for marketing"},{"speaker":"Stephen Topliss","startTime":1777.27,"endTime":1783.24,"body":"or other purposes. That's driven"},{"speaker":"Stephen Topliss","startTime":1783.24,"endTime":1787.05,"body":"that focus on, you know, our"},{"speaker":"Stephen Topliss","startTime":1783.24,"endTime":1787.05,"body":"data and privacy around it, and"},{"speaker":"Stephen Topliss","startTime":1787.26,"endTime":1790.23,"body":"it's introduced regulations to"},{"speaker":"Stephen Topliss","startTime":1787.26,"endTime":1790.23,"body":"protect our data and I think"},{"speaker":"Stephen Topliss","startTime":1790.53,"endTime":1794.58,"body":"that, you know, we're on the"},{"speaker":"Stephen Topliss","startTime":1790.53,"endTime":1794.58,"body":"right tracks there. Certainly in"},{"speaker":"Stephen Topliss","startTime":1794.58,"endTime":1798.09,"body":"Europe we have the GDPR"},{"speaker":"Stephen Topliss","startTime":1794.58,"endTime":1798.09,"body":"regulations and other parts of"},{"speaker":"Stephen Topliss","startTime":1798.09,"endTime":1801.42,"body":"the world have been looking at"},{"speaker":"Stephen Topliss","startTime":1798.09,"endTime":1801.42,"body":"all that. I think looking at it"},{"speaker":"Stephen Topliss","startTime":1801.42,"endTime":1806.61,"body":"from a cybersecurity point of"},{"speaker":"Stephen Topliss","startTime":1801.42,"endTime":1806.61,"body":"view, we just need to make sure"},{"speaker":"Stephen Topliss","startTime":1806.61,"endTime":1814.65,"body":"that these regulations consider"},{"speaker":"Stephen Topliss","startTime":1806.61,"endTime":1814.65,"body":"where private data can be used"},{"speaker":"Stephen Topliss","startTime":1814.65,"endTime":1817.95,"body":"in the right way to prevent"},{"speaker":"Stephen Topliss","startTime":1814.65,"endTime":1817.95,"body":"crime. So, you know, we"},{"speaker":"Stephen Topliss","startTime":1817.95,"endTime":1821.04,"body":"sometimes see regulations"},{"speaker":"Stephen Topliss","startTime":1817.95,"endTime":1821.04,"body":"carving out the ability to use"},{"speaker":"Stephen Topliss","startTime":1821.04,"endTime":1824.31,"body":"data to prevent crime and it's a"},{"speaker":"Stephen Topliss","startTime":1821.04,"endTime":1824.31,"body":"really important distinction"},{"speaker":"Stephen Topliss","startTime":1824.31,"endTime":1827.1,"body":"there. Otherwise that can also"},{"speaker":"Stephen Topliss","startTime":1824.31,"endTime":1827.1,"body":"potentially impact cybersecurity"},{"speaker":"Stephen Topliss","startTime":1827.1,"endTime":1827.7,"body":"in the future."},{"speaker":"YS Chi","startTime":1828.12,"endTime":1830.58,"body":"Indeed, we need to make"},{"speaker":"YS Chi","startTime":1828.12,"endTime":1830.58,"body":"sure that we don't throw the"},{"speaker":"YS Chi","startTime":1830.58,"endTime":1831.87,"body":"baby out with the bathwater."},{"speaker":"Stephen Topliss","startTime":1831.87,"endTime":1833.01,"body":"Exactly."},{"speaker":"Stephen Topliss","startTime":1831.87,"endTime":1833.01,"body":"Exactly."},{"speaker":"YS Chi","startTime":1833.04,"endTime":1835.29,"body":"Because we have to fight"},{"speaker":"YS Chi","startTime":1833.04,"endTime":1835.29,"body":"those fraudsters."},{"speaker":"Stephen Topliss","startTime":1835.45,"endTime":1837.85,"body":"Exactly. And"},{"speaker":"Stephen Topliss","startTime":1835.45,"endTime":1837.85,"body":"that, you know, there's the"},{"speaker":"Stephen Topliss","startTime":1837.85,"endTime":1840.16,"body":"regulation side there that I"},{"speaker":"Stephen Topliss","startTime":1837.85,"endTime":1840.16,"body":"think it's important for us to"},{"speaker":"Stephen Topliss","startTime":1840.16,"endTime":1845.02,"body":"get that right. At LexisNexis"},{"speaker":"Stephen Topliss","startTime":1840.16,"endTime":1845.02,"body":"Risk Solutions, the way we"},{"speaker":"Stephen Topliss","startTime":1845.02,"endTime":1848.92,"body":"design our products is also we"},{"speaker":"Stephen Topliss","startTime":1845.02,"endTime":1848.92,"body":"follow what we call it privacy"},{"speaker":"Stephen Topliss","startTime":1848.92,"endTime":1852.25,"body":"by design approach. So, you"},{"speaker":"Stephen Topliss","startTime":1848.92,"endTime":1852.25,"body":"know, those anonymization"},{"speaker":"Stephen Topliss","startTime":1852.25,"endTime":1855.25,"body":"techniques that I mentioned"},{"speaker":"Stephen Topliss","startTime":1852.25,"endTime":1855.25,"body":"earlier. It's what you end up"},{"speaker":"Stephen Topliss","startTime":1855.25,"endTime":1858.4,"body":"actually being able to develop"},{"speaker":"Stephen Topliss","startTime":1855.25,"endTime":1858.4,"body":"products that can identify"},{"speaker":"Stephen Topliss","startTime":1858.4,"endTime":1862.06,"body":"fraud, by creating these"},{"speaker":"Stephen Topliss","startTime":1858.4,"endTime":1862.06,"body":"anonymized digital identities"},{"speaker":"Stephen Topliss","startTime":1862.06,"endTime":1865.36,"body":"and you actually don't need to"},{"speaker":"Stephen Topliss","startTime":1862.06,"endTime":1865.36,"body":"know who the person is behind"},{"speaker":"Stephen Topliss","startTime":1865.36,"endTime":1866.59,"body":"those digital identities."},{"speaker":"YS Chi","startTime":1866.98,"endTime":1872.14,"body":"That's right. So looking"},{"speaker":"YS Chi","startTime":1866.98,"endTime":1872.14,"body":"ahead, keyword these days, of"},{"speaker":"YS Chi","startTime":1872.14,"endTime":1877.39,"body":"course, is AI machine learning."},{"speaker":"YS Chi","startTime":1872.14,"endTime":1877.39,"body":"How is that going to, come in to"},{"speaker":"YS Chi","startTime":1877.39,"endTime":1880.24,"body":"the future of digital fraud"},{"speaker":"YS Chi","startTime":1877.39,"endTime":1880.24,"body":"prevention at ThreatMetrix?"},{"speaker":"Stephen Topliss","startTime":1880.45,"endTime":1882.07,"body":"So we're"},{"speaker":"Stephen Topliss","startTime":1880.45,"endTime":1882.07,"body":"already using machine learning"},{"speaker":"Stephen Topliss","startTime":1882.07,"endTime":1885.88,"body":"today and we continue to build"},{"speaker":"Stephen Topliss","startTime":1882.07,"endTime":1885.88,"body":"that out. One of the reasons"},{"speaker":"Stephen Topliss","startTime":1885.88,"endTime":1891.04,"body":"that's so important is just the"},{"speaker":"Stephen Topliss","startTime":1885.88,"endTime":1891.04,"body":"sheer amount of data. So I"},{"speaker":"Stephen Topliss","startTime":1891.04,"endTime":1894.79,"body":"talked about those simple fraud"},{"speaker":"Stephen Topliss","startTime":1891.04,"endTime":1894.79,"body":"rules earlier, and fraud"},{"speaker":"Stephen Topliss","startTime":1894.79,"endTime":1898.51,"body":"analysts used to go in and"},{"speaker":"Stephen Topliss","startTime":1894.79,"endTime":1898.51,"body":"change those rules on a weekly"},{"speaker":"Stephen Topliss","startTime":1898.51,"endTime":1902.32,"body":"basis. But the volumes of data,"},{"speaker":"Stephen Topliss","startTime":1898.51,"endTime":1902.32,"body":"the number of events that you"},{"speaker":"Stephen Topliss","startTime":1902.32,"endTime":1906.19,"body":"have to look out now, it's not"},{"speaker":"Stephen Topliss","startTime":1902.32,"endTime":1906.19,"body":"possible to do that manually. So"},{"speaker":"Stephen Topliss","startTime":1906.19,"endTime":1910.48,"body":"you need to use machine learning"},{"speaker":"Stephen Topliss","startTime":1906.19,"endTime":1910.48,"body":"techniques to optimise those"},{"speaker":"Stephen Topliss","startTime":1910.48,"endTime":1915.55,"body":"rules, to learn from the"},{"speaker":"Stephen Topliss","startTime":1910.48,"endTime":1915.55,"body":"changing fraud trends. So I"},{"speaker":"Stephen Topliss","startTime":1915.55,"endTime":1918.43,"body":"think that's, you know, one area"},{"speaker":"Stephen Topliss","startTime":1915.55,"endTime":1918.43,"body":"that machine learning is being"},{"speaker":"Stephen Topliss","startTime":1918.43,"endTime":1922.12,"body":"used. I think, you know, there's"},{"speaker":"Stephen Topliss","startTime":1918.43,"endTime":1922.12,"body":"there's a couple of other things"},{"speaker":"Stephen Topliss","startTime":1922.12,"endTime":1925.15,"body":"that we're doing in the short"},{"speaker":"Stephen Topliss","startTime":1922.12,"endTime":1925.15,"body":"term, looking ahead with the"},{"speaker":"Stephen Topliss","startTime":1925.15,"endTime":1928.99,"body":"ThreatMetrix product, and that's"},{"speaker":"Stephen Topliss","startTime":1925.15,"endTime":1928.99,"body":"to actually continue to bring in"},{"speaker":"Stephen Topliss","startTime":1928.99,"endTime":1935.26,"body":"the latest digital intelligence,"},{"speaker":"Stephen Topliss","startTime":1928.99,"endTime":1935.26,"body":"like phone intelligence. So as"},{"speaker":"Stephen Topliss","startTime":1935.26,"endTime":1938.74,"body":"everyone is turning more and"},{"speaker":"Stephen Topliss","startTime":1935.26,"endTime":1938.74,"body":"more to the mobile channel, the"},{"speaker":"Stephen Topliss","startTime":1938.74,"endTime":1942.25,"body":"data associated with the mobile"},{"speaker":"Stephen Topliss","startTime":1938.74,"endTime":1942.25,"body":"channel is becoming increasingly"},{"speaker":"Stephen Topliss","startTime":1942.25,"endTime":1946.84,"body":"important. As we bring more data"},{"speaker":"Stephen Topliss","startTime":1942.25,"endTime":1946.84,"body":"in from that, and also from"},{"speaker":"Stephen Topliss","startTime":1946.93,"endTime":1950.83,"body":"emerging technologies like"},{"speaker":"Stephen Topliss","startTime":1946.93,"endTime":1950.83,"body":"behavioural biometrics, it just"},{"speaker":"Stephen Topliss","startTime":1950.83,"endTime":1954.19,"body":"increases the data again, and"},{"speaker":"Stephen Topliss","startTime":1950.83,"endTime":1954.19,"body":"increases the need for this"},{"speaker":"Stephen Topliss","startTime":1954.22,"endTime":1957.91,"body":"automized, automated machine"},{"speaker":"Stephen Topliss","startTime":1954.22,"endTime":1957.91,"body":"learning to optimise things."},{"speaker":"YS Chi","startTime":1958.45,"endTime":1962.02,"body":"Does that give us the"},{"speaker":"YS Chi","startTime":1958.45,"endTime":1962.02,"body":"future in which we're not just"},{"speaker":"YS Chi","startTime":1962.02,"endTime":1966.97,"body":"doing a cat and mouse catch up"},{"speaker":"YS Chi","startTime":1962.02,"endTime":1966.97,"body":"post fact, but perhaps something"},{"speaker":"YS Chi","startTime":1967.0,"endTime":1970.96,"body":"a solution that is so"},{"speaker":"YS Chi","startTime":1967.0,"endTime":1970.96,"body":"innovative, that maybe it can"},{"speaker":"YS Chi","startTime":1971.14,"endTime":1973.33,"body":"really prevent them before they"},{"speaker":"YS Chi","startTime":1971.14,"endTime":1973.33,"body":"happen?"},{"speaker":"Stephen Topliss","startTime":1976.03,"endTime":1978.76,"body":"I'm not sure"},{"speaker":"Stephen Topliss","startTime":1976.03,"endTime":1978.76,"body":"that we're ever going to reach"},{"speaker":"Stephen Topliss","startTime":1978.76,"endTime":1983.86,"body":"that stage. I think that"},{"speaker":"Stephen Topliss","startTime":1978.76,"endTime":1983.86,"body":"biometrics specifically is"},{"speaker":"Stephen Topliss","startTime":1983.86,"endTime":1987.91,"body":"generally going to have quite a"},{"speaker":"Stephen Topliss","startTime":1983.86,"endTime":1987.91,"body":"big impact. And by biometrics,"},{"speaker":"Stephen Topliss","startTime":1987.94,"endTime":1991.66,"body":"in this case, rather than"},{"speaker":"Stephen Topliss","startTime":1987.94,"endTime":1991.66,"body":"behavioural biometrics, I'm"},{"speaker":"Stephen Topliss","startTime":1991.66,"endTime":1995.32,"body":"thinking more about the"},{"speaker":"Stephen Topliss","startTime":1991.66,"endTime":1995.32,"body":"biometrics from facial"},{"speaker":"Stephen Topliss","startTime":1995.32,"endTime":1998.95,"body":"recognition, fingerprints,"},{"speaker":"Stephen Topliss","startTime":1995.32,"endTime":1998.95,"body":"things like that. They are"},{"speaker":"Stephen Topliss","startTime":1998.95,"endTime":2003.6,"body":"really quite secure. Although"},{"speaker":"Stephen Topliss","startTime":1998.95,"endTime":2003.6,"body":"not impossible, impossible to"},{"speaker":"Stephen Topliss","startTime":2003.6,"endTime":2007.98,"body":"beat. The problem with  some of"},{"speaker":"Stephen Topliss","startTime":2003.6,"endTime":2007.98,"body":"those technologies is adoption,"},{"speaker":"Stephen Topliss","startTime":2007.98,"endTime":2014.19,"body":"though. You can have a really"},{"speaker":"Stephen Topliss","startTime":2007.98,"endTime":2014.19,"body":"secure piece of technology, but"},{"speaker":"Stephen Topliss","startTime":2014.19,"endTime":2017.16,"body":"if only a small part of your"},{"speaker":"Stephen Topliss","startTime":2014.19,"endTime":2017.16,"body":"population actually want to use"},{"speaker":"Stephen Topliss","startTime":2017.16,"endTime":2019.77,"body":"that technology, then you still"},{"speaker":"Stephen Topliss","startTime":2017.16,"endTime":2019.77,"body":"haven't solved the problem."},{"speaker":"YS Chi","startTime":2019.92,"endTime":2024.45,"body":"Right. And this adoption"},{"speaker":"YS Chi","startTime":2019.92,"endTime":2024.45,"body":"Stephen, a matter of economics?"},{"speaker":"YS Chi","startTime":2024.75,"endTime":2029.13,"body":"Or is it a matter of convenience"},{"speaker":"YS Chi","startTime":2024.75,"endTime":2029.13,"body":"choice?"},{"speaker":"Stephen Topliss","startTime":2029.36,"endTime":2032.54,"body":"I think it's"},{"speaker":"Stephen Topliss","startTime":2029.36,"endTime":2032.54,"body":"three things. It can definitely"},{"speaker":"Stephen Topliss","startTime":2032.54,"endTime":2034.94,"body":"be economics, especially in"},{"speaker":"Stephen Topliss","startTime":2032.54,"endTime":2034.94,"body":"different parts of the world."},{"speaker":"Stephen Topliss","startTime":2035.69,"endTime":2040.19,"body":"It's choice, some people just"},{"speaker":"Stephen Topliss","startTime":2035.69,"endTime":2040.19,"body":"don't like the idea. And third,"},{"speaker":"Stephen Topliss","startTime":2040.22,"endTime":2043.79,"body":"it comes back to the"},{"speaker":"Stephen Topliss","startTime":2040.22,"endTime":2043.79,"body":"generational aspect as well. I"},{"speaker":"Stephen Topliss","startTime":2043.79,"endTime":2047.36,"body":"think that with biometrics, the"},{"speaker":"Stephen Topliss","startTime":2043.79,"endTime":2047.36,"body":"younger generations are probably"},{"speaker":"Stephen Topliss","startTime":2047.36,"endTime":2050.18,"body":"very comfortable with it. Some"},{"speaker":"Stephen Topliss","startTime":2047.36,"endTime":2050.18,"body":"of the older generations aren't"},{"speaker":"Stephen Topliss","startTime":2050.18,"endTime":2052.76,"body":"very comfortable with it, and"},{"speaker":"Stephen Topliss","startTime":2050.18,"endTime":2052.76,"body":"it's maybe difficult for them to"},{"speaker":"Stephen Topliss","startTime":2052.76,"endTime":2058.34,"body":"use. So that's generally a"},{"speaker":"Stephen Topliss","startTime":2052.76,"endTime":2058.34,"body":"problem for some of these new"},{"speaker":"Stephen Topliss","startTime":2058.34,"endTime":2062.3,"body":"techniques not being able to be"},{"speaker":"Stephen Topliss","startTime":2058.34,"endTime":2062.3,"body":"adopted. And if they're not"},{"speaker":"Stephen Topliss","startTime":2062.3,"endTime":2064.97,"body":"adopted across the board, then"},{"speaker":"Stephen Topliss","startTime":2062.3,"endTime":2064.97,"body":"obviously the fraudsters, they"},{"speaker":"Stephen Topliss","startTime":2064.97,"endTime":2068.27,"body":"adapt and they figure out"},{"speaker":"Stephen Topliss","startTime":2064.97,"endTime":2068.27,"body":"exactly who to target that isn't"},{"speaker":"Stephen Topliss","startTime":2068.27,"endTime":2072.47,"body":"using that, for example. Plus,"},{"speaker":"Stephen Topliss","startTime":2068.27,"endTime":2072.47,"body":"we talked about scams earlier,"},{"speaker":"Stephen Topliss","startTime":2072.5,"endTime":2076.43,"body":"and if I use biometrics, that"},{"speaker":"Stephen Topliss","startTime":2072.5,"endTime":2076.43,"body":"doesn't change anything when it"},{"speaker":"Stephen Topliss","startTime":2076.43,"endTime":2080.75,"body":"comes to scams. I'll still carry"},{"speaker":"Stephen Topliss","startTime":2076.43,"endTime":2080.75,"body":"on sending my money to the wrong"},{"speaker":"Stephen Topliss","startTime":2080.75,"endTime":2082.7,"body":"place and I'll smile happily at"},{"speaker":"Stephen Topliss","startTime":2080.75,"endTime":2082.7,"body":"the camera."},{"speaker":"YS Chi","startTime":2083.57,"endTime":2085.97,"body":"Yes, often it is us who"},{"speaker":"YS Chi","startTime":2083.57,"endTime":2085.97,"body":"opened the door for them."},{"speaker":"Stephen Topliss","startTime":2086.0,"endTime":2086.54,"body":"Exactly."},{"speaker":"YS Chi","startTime":2086.93,"endTime":2087.62,"body":"Voluntarily."},{"speaker":"Stephen Topliss","startTime":2087.62,"endTime":2088.19,"body":"Exactly."},{"speaker":"YS Chi","startTime":2088.0,"endTime":2092.47,"body":"You know, in a slightly"},{"speaker":"YS Chi","startTime":2088.0,"endTime":2092.47,"body":"different scale, but in a"},{"speaker":"YS Chi","startTime":2092.5,"endTime":2096.37,"body":"parallel manner. I have spent"},{"speaker":"YS Chi","startTime":2092.5,"endTime":2096.37,"body":"the past few decades in the"},{"speaker":"YS Chi","startTime":2096.37,"endTime":2098.95,"body":"publishing sector where we've"},{"speaker":"YS Chi","startTime":2096.37,"endTime":2098.95,"body":"been fighting for copyright"},{"speaker":"YS Chi","startTime":2099.1,"endTime":2104.65,"body":"issues and IP protection. I've"},{"speaker":"YS Chi","startTime":2099.1,"endTime":2104.65,"body":"always said three E's as a"},{"speaker":"YS Chi","startTime":2104.65,"endTime":2109.36,"body":"principle. First is, educat"},{"speaker":"YS Chi","startTime":2104.65,"endTime":2109.36,"body":"people. That stealing i"},{"speaker":"YS Chi","startTime":2109.36,"endTime":2112.18,"body":"stealing, whether it's digita"},{"speaker":"YS Chi","startTime":2109.36,"endTime":2112.18,"body":"or physical goods, it'"},{"speaker":"YS Chi","startTime":2112.18,"endTime":2117.85,"body":"stealing. Second is economics"},{"speaker":"YS Chi","startTime":2112.18,"endTime":2117.85,"body":"It has to be such, that ther"},{"speaker":"YS Chi","startTime":2117.85,"endTime":2123.55,"body":"isn't as much economica"},{"speaker":"YS Chi","startTime":2117.85,"endTime":2123.55,"body":"incentive to steal, then to ear"},{"speaker":"YS Chi","startTime":2123.55,"endTime":2127.45,"body":"it the right way. And then th"},{"speaker":"YS Chi","startTime":2123.55,"endTime":2127.45,"body":"third is enforcement when al"},{"speaker":"YS Chi","startTime":2127.45,"endTime":2131.95,"body":"else fails, there's got to b"},{"speaker":"YS Chi","startTime":2127.45,"endTime":2131.95,"body":"exemplary enforcement to sho"},{"speaker":"YS Chi","startTime":2131.95,"endTime":2137.95,"body":"people that there's a price t"},{"speaker":"YS Chi","startTime":2131.95,"endTime":2137.95,"body":"pay for crime. I wonder if thes"},{"speaker":"YS Chi","startTime":2137.98,"endTime":2141.19,"body":"thoughts that you had kind o"},{"speaker":"YS Chi","startTime":2137.98,"endTime":2141.19,"body":"shared with us today i"},{"speaker":"YS Chi","startTime":2141.19,"endTime":2145.48,"body":"different parts of th"},{"speaker":"YS Chi","startTime":2141.19,"endTime":2145.48,"body":"conversation are similarl"},{"speaker":"YS Chi","startTime":2145.48,"endTime":2150.01,"body":"applicable to online i"},{"speaker":"YS Chi","startTime":2145.48,"endTime":2150.01,"body":"cybersecurity fraud"},{"speaker":"Stephen Topliss","startTime":2150.34,"endTime":2152.32,"body":"Yep, no, I"},{"speaker":"Stephen Topliss","startTime":2150.34,"endTime":2152.32,"body":"agree. It's an interesting"},{"speaker":"Stephen Topliss","startTime":2152.32,"endTime":2153.16,"body":"parallel. Yeah."},{"speaker":"YS Chi","startTime":2153.43,"endTime":2156.07,"body":"Well, I've learned an"},{"speaker":"YS Chi","startTime":2153.43,"endTime":2156.07,"body":"awful lot from you today about"},{"speaker":"YS Chi","startTime":2156.07,"endTime":2161.23,"body":"cyber security, and the unique"},{"speaker":"YS Chi","startTime":2156.07,"endTime":2161.23,"body":"contributions of LexisNexis Risk"},{"speaker":"YS Chi","startTime":2161.23,"endTime":2165.94,"body":"Solutions team for combating"},{"speaker":"YS Chi","startTime":2161.23,"endTime":2165.94,"body":"this. Before I let you go"},{"speaker":"YS Chi","startTime":2165.94,"endTime":2169.09,"body":"though, I'm very curious about"},{"speaker":"YS Chi","startTime":2165.94,"endTime":2169.09,"body":"what else you're doing these"},{"speaker":"YS Chi","startTime":2169.09,"endTime":2174.04,"body":"days to keep yourself, you know,"},{"speaker":"YS Chi","startTime":2169.09,"endTime":2174.04,"body":"kind of balanced, and not"},{"speaker":"YS Chi","startTime":2174.07,"endTime":2178.27,"body":"constantly working, or doing"},{"speaker":"YS Chi","startTime":2174.07,"endTime":2178.27,"body":"homework with your children."},{"speaker":"Stephen Topliss","startTime":2180.37,"endTime":2184.36,"body":"So I've always"},{"speaker":"Stephen Topliss","startTime":2180.37,"endTime":2184.36,"body":"liked to keep fit, and I love"},{"speaker":"Stephen Topliss","startTime":2184.36,"endTime":2188.32,"body":"swimming. I haven't been able to"},{"speaker":"Stephen Topliss","startTime":2184.36,"endTime":2188.32,"body":"swim, really the last year."},{"speaker":"YS Chi","startTime":2188.35,"endTime":2189.07,"body":"Me too."},{"speaker":"Stephen Topliss","startTime":2189.0,"endTime":2191.43,"body":"So I've tried"},{"speaker":"Stephen Topliss","startTime":2189.0,"endTime":2191.43,"body":"to figure out a different"},{"speaker":"Stephen Topliss","startTime":2191.46,"endTime":2196.35,"body":"approach to keeping fit. So if I"},{"speaker":"Stephen Topliss","startTime":2191.46,"endTime":2196.35,"body":"go back to my last years at"},{"speaker":"Stephen Topliss","startTime":2196.35,"endTime":2199.83,"body":"school and university, I used to"},{"speaker":"Stephen Topliss","startTime":2196.35,"endTime":2199.83,"body":"skip as part of my fitness"},{"speaker":"Stephen Topliss","startTime":2199.83,"endTime":2204.54,"body":"routine. I saw an article in the"},{"speaker":"Stephen Topliss","startTime":2199.83,"endTime":2204.54,"body":"paper recently about skipping"},{"speaker":"Stephen Topliss","startTime":2204.54,"endTime":2207.66,"body":"and I thought, you know what, I"},{"speaker":"Stephen Topliss","startTime":2204.54,"endTime":2207.66,"body":"can do that in the home, I can"},{"speaker":"Stephen Topliss","startTime":2207.66,"endTime":2210.72,"body":"start doing that again. I went"},{"speaker":"Stephen Topliss","startTime":2207.66,"endTime":2210.72,"body":"online, I bought a skipping"},{"speaker":"Stephen Topliss","startTime":2210.72,"endTime":2214.47,"body":"rope. But what I discovered is"},{"speaker":"Stephen Topliss","startTime":2210.72,"endTime":2214.47,"body":"there is a whole new world out"},{"speaker":"Stephen Topliss","startTime":2214.47,"endTime":2218.61,"body":"there of skipping ropes, jump"},{"speaker":"Stephen Topliss","startTime":2214.47,"endTime":2218.61,"body":"rope workouts that I don't think"},{"speaker":"Stephen Topliss","startTime":2218.61,"endTime":2222.0,"body":"existed five years ago. It's a"},{"speaker":"Stephen Topliss","startTime":2218.61,"endTime":2222.0,"body":"booming business. You could"},{"speaker":"Stephen Topliss","startTime":2222.0,"endTime":2226.53,"body":"spend 10 euros, you could spend"},{"speaker":"Stephen Topliss","startTime":2222.0,"endTime":2226.53,"body":"150 euros on a skipping rope. So"},{"speaker":"Stephen Topliss","startTime":2227.79,"endTime":2232.02,"body":"I now have a kind of mid range"},{"speaker":"Stephen Topliss","startTime":2227.79,"endTime":2232.02,"body":"skipping rope. I'm skipping"},{"speaker":"Stephen Topliss","startTime":2232.02,"endTime":2233.55,"body":"every day, there's lots of..."},{"speaker":"YS Chi","startTime":2233.59,"endTime":2236.02,"body":"I'm hoping to graduate"},{"speaker":"YS Chi","startTime":2233.59,"endTime":2236.02,"body":"to the high end skipping rope"},{"speaker":"YS Chi","startTime":2236.02,"endTime":2240.58,"body":"one day. Like the bikers do or"},{"speaker":"YS Chi","startTime":2236.02,"endTime":2240.58,"body":"people like us golfers think"},{"speaker":"YS Chi","startTime":2240.58,"endTime":2243.25,"body":"that, it's the equipment that's"},{"speaker":"YS Chi","startTime":2240.58,"endTime":2243.25,"body":"going to get us better score"},{"speaker":"YS Chi","startTime":2243.25,"endTime":2243.52,"body":"card."},{"speaker":"Stephen Topliss","startTime":2243.51,"endTime":2245.58,"body":"Exactly. I"},{"speaker":"Stephen Topliss","startTime":2243.51,"endTime":2245.58,"body":"think my children think I'm"},{"speaker":"Stephen Topliss","startTime":2245.58,"endTime":2249.72,"body":"crazy. But yeah, that's my brand"},{"speaker":"Stephen Topliss","startTime":2245.58,"endTime":2249.72,"body":"new world at home of keeping fit"},{"speaker":"Stephen Topliss","startTime":2249.72,"endTime":2250.14,"body":"right now."},{"speaker":"YS Chi","startTime":2251.29,"endTime":2254.53,"body":"Fantastic. Stephen, it's"},{"speaker":"YS Chi","startTime":2251.29,"endTime":2254.53,"body":"been a great pleasure. Thank you"},{"speaker":"YS Chi","startTime":2254.53,"endTime":2258.67,"body":"so much for being with us today,"},{"speaker":"YS Chi","startTime":2254.53,"endTime":2258.67,"body":"and I hope that the audience has"},{"speaker":"YS Chi","startTime":2258.67,"endTime":2260.08,"body":"learned as much as I have."},{"speaker":"Stephen Topliss","startTime":2260.56,"endTime":2262.21,"body":"Thanks YS. It's"},{"speaker":"Stephen Topliss","startTime":2260.56,"endTime":2262.21,"body":"a pleasure talking to you."},{"speaker":"YS Chi","startTime":2262.87,"endTime":2264.97,"body":"Thank you to our"},{"speaker":"YS Chi","startTime":2262.87,"endTime":2264.97,"body":"listeners for tuning in. Don't"},{"speaker":"YS Chi","startTime":2264.97,"endTime":2268.3,"body":"forget to hit subscribe on your"},{"speaker":"YS Chi","startTime":2264.97,"endTime":2268.3,"body":"podcast app to get new episodes"},{"speaker":"YS Chi","startTime":2268.3,"endTime":2271.48,"body":"as soon as they're released. In"},{"speaker":"YS Chi","startTime":2268.3,"endTime":2271.48,"body":"our next episode, we'll be"},{"speaker":"YS Chi","startTime":2271.48,"endTime":2274.51,"body":"talking with Anna Dycheva who"},{"speaker":"YS Chi","startTime":2271.48,"endTime":2274.51,"body":"runs Reed Exhibitions in Russia,"},{"speaker":"YS Chi","startTime":2274.75,"endTime":2278.08,"body":"the Middle East, Turkey and the"},{"speaker":"YS Chi","startTime":2274.75,"endTime":2278.08,"body":"UK, about the role of the events"},{"speaker":"YS Chi","startTime":2278.08,"endTime":2280.0,"body":"industry. Thanks for listening."}]}