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      <image:caption>new technologies are transforming the way value is created, measured, and distributed.</image:caption>
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      <image:caption>Jenny Knott</image:caption>
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      <image:caption>Eoin Davis</image:caption>
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      <image:caption>Gary Bailey</image:caption>
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    <lastmod>2022-03-21</lastmod>
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      <image:caption>Sid Bhandari–New Bridge FinTech Jenny was a welcome sounding board for the next phase of our development.</image:caption>
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      <image:title>Purpose</image:title>
      <image:caption>Rory O’Brien—Abridge Consulting Jenny and her team, via a sequence of structured meetings, helped me to organize my views about a potential market infrastructure venture. Their innovative thinking, challenging critiques, and general support took me from a first woolly idea to meeting potential investors with my business plan in hand in a remarkably short period.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1616424887856-QH6GXKAQQH146SO4T3UK/FireShot+Capture+1126+-+Roderick+Cameron+-+LinkedIn+-+www.linkedin.com+%281%29.png</image:loc>
      <image:title>Purpose</image:title>
      <image:caption>Roderick Cameron - GTM Strategist Jenny was very insightful, direct, and frank but also helpful as she helped us think about the bait, to get actual clients hooked.</image:caption>
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      <image:title>Purpose - Make it stand out</image:title>
      <image:caption>Toby Lewis — Novum Insights Jenny's guidance helped us re-imagine our funding pitch and business strategy. A great team and pleasure to be doing business with them.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1616423988453-WGX80OBJLXUTV14YY2YT/Founder+Story_+Cindy+from+Umazi+-+FinTech+Innovation+Lab_+-+www.fintechinnovationlab.com.png</image:loc>
      <image:title>Purpose</image:title>
      <image:caption>Cindy van Niekerk-Umazi Jenny and her seasoned team brought an extra dimension to our business planning. Their sharp commercial perspective forced us to make decisions that ultimately delivered transformational value.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1614366718508-JWPRN0YY7G6B35D8FR1C/FireShot+Capture+1022+-+Stefan+Foryszewski+-+LinkedIn+-+www.linkedin.com.png</image:loc>
      <image:title>Purpose</image:title>
      <image:caption>Stefan Foryszewski — YourDataKey One of my frustrations on this journey has been the complete lack of any negative feedback with regard to the proposition or solution design. We have learned nothing in respect of the solution design. Jenny; for the first time gave a couple of new perspectives, and she was dead right. I really do appreciate this and this was perhaps the most useful advice so far.</image:caption>
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      <image:title>Purpose</image:title>
      <image:caption>Thibaud De Maintenant—Colibrate Jenny gave us a very insightful review of our product. This was a great help in helping us adjust our pitch.</image:caption>
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    <loc>https://www.ftadvisory.co.uk/incommon</loc>
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    <lastmod>2020-08-31</lastmod>
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      <image:title>in|common®</image:title>
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  <url>
    <loc>https://www.ftadvisory.co.uk/fx-pipes-plumbing</loc>
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    <lastmod>2022-03-21</lastmod>
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    <loc>https://www.ftadvisory.co.uk/preface-exec-summary</loc>
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    <lastmod>2020-08-31</lastmod>
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    <loc>https://www.ftadvisory.co.uk/fx-post-trade-explanatory-paper</loc>
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    <lastmod>2020-08-31</lastmod>
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    <lastmod>2021-03-30</lastmod>
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      <image:caption>Bringing Trust To The Boardroom</image:caption>
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      <image:caption>Building Operational Resilience</image:caption>
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      <image:caption>The Role of FinTech in NetZero</image:caption>
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      <image:caption>13 Insights from Y Combinator</image:caption>
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      <image:caption>Blockchain is Dead - Arise, Sir Distributed Ledger</image:caption>
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      <image:caption>Can Distributed Ledgers Save The World</image:caption>
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      <image:caption>Post Trade Capital Markets</image:caption>
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      <image:caption>Bank Of England Post Trade Task Force</image:caption>
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      <image:caption>Post Trade Resilience in Capital Markets</image:caption>
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      <image:title>Papers</image:title>
      <image:caption>The Disruption of Investment Banking</image:caption>
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    <loc>https://www.ftadvisory.co.uk/product-1</loc>
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    <lastmod>2021-03-30</lastmod>
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  <url>
    <loc>https://www.ftadvisory.co.uk/digital-bearer-banking</loc>
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    <lastmod>2022-04-26</lastmod>
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      <image:title>Digital Bearer Banking</image:title>
      <image:caption>Digital Record Banking</image:caption>
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      <image:title>Digital Bearer Banking</image:title>
      <image:caption>Electronic Record Banking</image:caption>
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      <image:title>Digital Bearer Banking</image:title>
      <image:caption>Physical Bearer Banking</image:caption>
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      <image:title>Digital Bearer Banking</image:title>
      <image:caption>Digital Bearer Banking</image:caption>
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  <url>
    <loc>https://www.ftadvisory.co.uk/education</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-21</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1579440833772-9PDTNF3F816PUZMMQCP9/FTA+BOOK+front+cover+256.jpg</image:loc>
      <image:title>Education - FINTRODUCTION: BLOCKCHAIN, DISTRIBUTED LEDGER TECHNOLOGY AND CRYPTOCURRENCY</image:title>
      <image:caption>The future of finance is now… New technologies are transforming the way value is created, measured, and distributed.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/8c3c9ce8-e708-4d4b-bad0-f72a174554ee/book+chapert+smart+contracts.png</image:loc>
      <image:title>Education - Make it stand out</image:title>
      <image:caption>Click above for book chapter preview</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/18c53629-3e98-4e69-a2d8-08a86afa5d8f/BOOK+SECTION+1.png</image:loc>
      <image:title>Education - Make it stand out</image:title>
      <image:caption>Click above for book chapter preview</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/bc111445-5979-4873-a33f-014117019448/book+chaper+2+.png</image:loc>
      <image:title>Education - Make it stand out</image:title>
      <image:caption>Click above for book chapter preview</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/89a19ed7-2bb0-4840-a510-9b6cfa00d536/BOOK+SECTION+7.png</image:loc>
      <image:title>Education - Make it stand out</image:title>
      <image:caption>Click above for book chapter preview</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.ftadvisory.co.uk/advisors</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/554379ba-4631-4e18-8645-142cfba8aea3/Jenny+-+Web.jpg</image:loc>
      <image:title>Advisors - Jenny Knott</image:title>
      <image:caption>My experience as a CEO of a bank is valuable but my exposure to blockchain and the digital asset revolution has been critical- and hence my passion since 2015. We want to educate and support our Clients to super-charge their business models, grow their revenues,  Clients and market share in the Digital Bearer Banking economy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/d0d1b575-2545-4561-80a0-73c190e29e28/gary+pic+-+small+300+by+200.jpeg</image:loc>
      <image:title>Advisors - Gary Bailey</image:title>
      <image:caption>The emergence of digital assets as a technology and new asset class has created the kind of excitement that first attracted me to the City. The financial legos being forged will create an ‘always on’ banking capability in an increasingly fast and cost effective model that will change the industry at a speed last experienced in the early to mid 1990’s</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1633095673563-BDFYU2CP41Z2LKU3928E/Rory+20160815_ROB_Discovered_Photo.png</image:loc>
      <image:title>Advisors - Rory O’Brien</image:title>
      <image:caption>A new business innovator, entrepreneur and builder. As happy to develop new business opportunities as to run the project to build it. Background in global business development and working as a CTO, COO or Project Director skilled in the initiation and delivery of major business and IT transformations. Recent experience in implementing regulated security token-based exchanges and brokerages. Also working on an interoperating CSD model. Has also designed novel blockchain based solutions for several industries including gold extraction and agriculture.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.ftadvisory.co.uk/what-clients-say</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-04-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1621849035019-9DY9RQ9PVRGV0YSZAQWO/Toby+Lewis+Testimonial+%282%29.png</image:loc>
      <image:title>What Clients Say - Toby Lewis Novum Insights</image:title>
      <image:caption>Toby Lewis Novum Insights Jenny's guidance helped us re-imagine our funding pitch and business strategy. A great team and pleasure to be doing business with them.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1616424887856-QH6GXKAQQH146SO4T3UK/FireShot+Capture+1126+-+Roderick+Cameron+-+LinkedIn+-+www.linkedin.com+%281%29.png</image:loc>
      <image:title>What Clients Say - Roderick Cameron - GTM Strategist</image:title>
      <image:caption>Jenny was very insightful, direct, and frank but also helpful as she helped us think about the bait, to get actual clients hooked.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1614366718508-JWPRN0YY7G6B35D8FR1C/FireShot+Capture+1022+-+Stefan+Foryszewski+-+LinkedIn+-+www.linkedin.com.png</image:loc>
      <image:title>What Clients Say - Stefan Foryszewski YourDataKey</image:title>
      <image:caption>Stefan Foryszewski YourDataKey One of my frustrations on this journey has been the complete lack of any negative feedback with regard to the proposition or solution design. We have learned nothing in respect of the solution design. Jenny; for the first time gave a couple of new perspectives, and she was dead right. I really do appreciate this and this was perhaps the most useful advice so far.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1616423703629-DFE0TG0S4LYEYIH27CO3/bhandari.png</image:loc>
      <image:title>What Clients Say - Sid Bhandari New Bridge FinTech</image:title>
      <image:caption>Sid Bhandari New Bridge FinTech Jenny was a welcome sounding board for the next phase of our development.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1614366879520-KD9TBE839OCU5FNQLHD0/thibaudNB2.png</image:loc>
      <image:title>What Clients Say - Thibaud De Maintenant Colibrate</image:title>
      <image:caption>Thibaud De Maintenant Colibrate Jenny gave us a very insightful review of our product. This was a great help in helping us adjust our pitch.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1616423988453-WGX80OBJLXUTV14YY2YT/Founder+Story_+Cindy+from+Umazi+-+FinTech+Innovation+Lab_+-+www.fintechinnovationlab.com.png</image:loc>
      <image:title>What Clients Say - Cindy van Niekerk Umazi</image:title>
      <image:caption>Cindy van Niekerk Umazi Jenny and her seasoned team brought an extra dimension to our business planning. Their sharp commercial perspective forced us to make decisions that ultimately delivered transformational value.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.ftadvisory.co.uk/digital-bearer-banking-spare</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/db9d2070-ff5f-4eee-a0a4-3628efcb02f6/noun-me-3913371-FFFFFF+%281%29.png</image:loc>
      <image:title>Digital Bearer Banking Spare</image:title>
      <image:caption>Digital Bearer Banking</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/d778e904-c717-42ae-9907-77cab8fca444/noun-pdf-3913364-FFFFFF+%282%29.png</image:loc>
      <image:title>Digital Bearer Banking Spare</image:title>
      <image:caption>Electronic Record Banking</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/57172f07-03bf-4c53-a421-4a872b1ec76d/noun-html-3912983-FFFFFF.png</image:loc>
      <image:title>Digital Bearer Banking Spare</image:title>
      <image:caption>Digital Record Banking</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/994d0e2b-4384-4a02-b084-043241c17ee3/noun-newspaper-3335237-FFFFFF.png</image:loc>
      <image:title>Digital Bearer Banking Spare</image:title>
      <image:caption>Physical Bearer Banking</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1614366718508-JWPRN0YY7G6B35D8FR1C/FireShot+Capture+1022+-+Stefan+Foryszewski+-+LinkedIn+-+www.linkedin.com.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Stefan Foryszewski YourDataKey</image:title>
      <image:caption>Stefan Foryszewski YourDataKey One of my frustrations on this journey has been the complete lack of any negative feedback with regard to the proposition or solution design. We have learned nothing in respect of the solution design. Jenny; for the first time gave a couple of new perspectives, and she was dead right. I really do appreciate this and this was perhaps the most useful advice so far.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1614366879520-KD9TBE839OCU5FNQLHD0/thibaudNB2.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Thibaud De Maintenant Colibrate</image:title>
      <image:caption>Thibaud De Maintenant Colibrate Jenny gave us a very insightful review of our product. This was a great help in helping us adjust our pitch.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1621849035019-9DY9RQ9PVRGV0YSZAQWO/Toby+Lewis+Testimonial+%282%29.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Toby Lewis Novum Insights</image:title>
      <image:caption>Toby Lewis Novum Insights Jenny's guidance helped us re-imagine our funding pitch and business strategy. A great team and pleasure to be doing business with them.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1616424887856-QH6GXKAQQH146SO4T3UK/FireShot+Capture+1126+-+Roderick+Cameron+-+LinkedIn+-+www.linkedin.com+%281%29.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Roderick Cameron - GTM Strategist</image:title>
      <image:caption>Jenny was very insightful, direct, and frank but also helpful as she helped us think about the bait, to get actual clients hooked.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1616423703629-DFE0TG0S4LYEYIH27CO3/bhandari.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Sid Bhandari New Bridge FinTech</image:title>
      <image:caption>Sid Bhandari New Bridge FinTech Jenny was a welcome sounding board for the next phase of our development.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1616423988453-WGX80OBJLXUTV14YY2YT/Founder+Story_+Cindy+from+Umazi+-+FinTech+Innovation+Lab_+-+www.fintechinnovationlab.com.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Cindy van Niekerk Umazi</image:title>
      <image:caption>Cindy van Niekerk Umazi Jenny and her seasoned team brought an extra dimension to our business planning. Their sharp commercial perspective forced us to make decisions that ultimately delivered transformational value.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1579440833772-9PDTNF3F816PUZMMQCP9/FTA+BOOK+front+cover+256.jpg</image:loc>
      <image:title>Digital Bearer Banking Spare - FINTRODUCTION: BLOCKCHAIN, DISTRIBUTED LEDGER TECHNOLOGY AND CRYPTOCURRENCY</image:title>
      <image:caption>The future of finance is now… New technologies are transforming the way value is created, measured, and distributed.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/8c3c9ce8-e708-4d4b-bad0-f72a174554ee/book+chapert+smart+contracts.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Make it stand out</image:title>
      <image:caption>Click here for book chapter preview</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/bc111445-5979-4873-a33f-014117019448/book+chaper+2+.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Make it stand out</image:title>
      <image:caption>Click here for book chapter preview</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/89a19ed7-2bb0-4840-a510-9b6cfa00d536/BOOK+SECTION+7.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Make it stand out</image:title>
      <image:caption>Click here for book chapter preview</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/18c53629-3e98-4e69-a2d8-08a86afa5d8f/BOOK+SECTION+1.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Make it stand out</image:title>
      <image:caption>Click here for book chapter preview</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/d0d1b575-2545-4561-80a0-73c190e29e28/gary+pic+-+small+300+by+200.jpeg</image:loc>
      <image:title>Digital Bearer Banking Spare - Gary Bailey</image:title>
      <image:caption>The emergence of digital assets as a technology and new asset class has created the kind of excitement that first attracted me to the City. The financial legos being forged will create an ‘always on’ banking capability in an increasingly fast and cost effective model that will change the industry at a speed last experienced in the early to mid 1990’s</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/554379ba-4631-4e18-8645-142cfba8aea3/Jenny+-+Web.jpg</image:loc>
      <image:title>Digital Bearer Banking Spare - Jenny Knott</image:title>
      <image:caption>My experience as a CEO of a bank is valuable but my exposure to blockchain and the digital asset revolution has been critical- and hence my passion since 2015. We want to educate and support our Clients to super-charge their business models, grow their revenues,  Clients and market share in the Digital Bearer Banking economy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5e2448d4dfbae2548bfa5328/1633095673563-BDFYU2CP41Z2LKU3928E/Rory+20160815_ROB_Discovered_Photo.png</image:loc>
      <image:title>Digital Bearer Banking Spare - Rory O’Brien</image:title>
      <image:caption>A new business innovator, entrepreneur and builder. As happy to develop new business opportunities as to run the project to build it. Background in global business development and working as a CTO, COO or Project Director skilled in the initiation and delivery of major business and IT transformations. Recent experience in implementing regulated security token-based exchanges and brokerages. Also working on an interoperating CSD model. Has also designed novel blockchain based solutions for several industries including gold extraction and agriculture.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.ftadvisory.co.uk/critical-reading</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-05-25</lastmod>
  </url>
  <url>
    <loc>https://www.ftadvisory.co.uk/jenny-mulbery-draft</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-02-03</lastmod>
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    <loc>https://www.ftadvisory.co.uk/jenny-mulbery-draft-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-02-22</lastmod>
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  <url>
    <loc>https://www.ftadvisory.co.uk/jenny-mulbery-draft-1-1</loc>
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    <priority>0.75</priority>
    <lastmod>2023-02-22</lastmod>
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  </url>
  <url>
    <loc>https://www.ftadvisory.co.uk/cci</loc>
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    <lastmod>2023-04-25</lastmod>
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