This year feels like it’s whizzed on by, but we’re here yet again - Christmas, and soon the end of 2023.
I’d like to wish you all a very Merry Christmas and Happy Holidays on behalf of all the team here at Fintech Forum 
As always, a big thank you to everyone for being part of the community. 190 of you joined us in the last 12 months. Collectively, you all created a whopping 6.6k posts!
Thank you to those who help monitor and moderate the site - @Graham @Dan @Gallifreyangirl , and our newest mod, @Rexx. I have been absent part of this year due to one reason or another, and it’s amazing to have such a supportive team at hand.
Last, but not least, thank you to those in the @Supporter group who support the running of the site and keep the site online.
From me, in Wales, I’d like to wish you…
Nadolig Llawen a Blwyddyn Newydd Dda 
