 We're here at GSR 16 in Shemashake in Egypt and I've got the great pleasure of being joined this morning by Mr. Alan Sarri Al-Mashakbe, who is the Vice Chairman of the Telecommunications Regulatory Commission of Jordan. Mr. Al-Mashakbe, thank you very much for being with us today. Thank you. Good morning and thank you for receiving me today. Well, it's a pleasure to have you in the studio. Now, I'd like to start off, there's been a lot of talk about digital financial inclusion here. A great deal of attention and focus has been paid to it. I wanted to ask you, in your opinion, how can we include the unbanked and unconnected in today's smart society? Indeed. Thank you very much and let me just start by thanking the government of Egypt and the ANTERE as well and the ITU for organizing and for the generosity that we have received for the 16th GSR. Actually, the digital inclusion, digital financial inclusion is an important theme that the GSR has focused on. Especially, we had the first day, an open dialogue about how we can address all the issues related to digital financial inclusion. An important part was how to include the unbacked and unconnected percent of those which is actually based on the statistics that we have heard are a huge number. So different themes were discussed and a lot of issues was raised, part of it related to cultural issues. We have a barrier where people are not used to deal with unbanked companies. They used to deal with banks. I mean, it is a new experience for them to deal with financial institutions. They are not well known for them. So they are facing a lot of difficulties and you need to spend a lot on education. People get to use their financial mobile wallet for paying their bills, doing necessary money transfer. Sometimes people are preferring to receive cash in hand and deal with it. So these are most of the issues that we were talking about and trying to see how we can deal about it. And what's the solution in your opinion? Each country has to do first of all to investigate what is in their opinion could be adopted as a national strategy. Because if you look at different countries, they have different experience and different business models that were adopted. I tried to give our experience in Jordan in a general theme so people can have their own learning experience by understanding the model that would suit their experience. I think the common issue that most should focus on is education for the customer and try to have some national initiatives where you will attract more customers to deal with the financial mobile money. And I think the government will play an important role because they first should use it for their own government services. So people, they have more trust when they deal with government due payment. And this will ease others. Then when more private services come to place, people are get used to and they will have more trust in the business as usual dealing with financial mobile payment. So very much supply and demand then? Yes, issue of supply and demand and how we will attract people to get used for this. And how important is collaborative regulation in order to foster an enabling environment for digital financial services? Very, very important theme that you need to focus on. Because you have this, you have the financial regulator, you have the ICT regulators. Part of them looking and you have the operators. Most of the business perspective will rely on the infrastructure of the mobile operator. And legally, the financial regulator have no power to impose on the, you know, the mobile operator. So they should collaborate between the ICT regulators and themselves. Part of this method of collaboration, they can sign memorandum of understanding and just to play the who gonna be responsible for what. And how to cooperate in terms of auditing if needed, checklist for security requirement. And I think this is a best successful model. So first they have to sit together to discuss the issue to see how we can approach it. There is a need for some legal changes for the legal framework. They can do some common regulations where each part have his own role and duty. So I think this is an important thing. And you have to be dynamic in the regulatory model that you adopt. You should not say that this is the regulation and you have to abide with. You should listen to the business perspective of how you will encourage and include more people in the digital financial mobile services. Great. And finally, I'd just like to ask you very briefly. We're here at GSR 16. This is an annual event that brings together regulators. It brings together people from the industry. Lots of great conversations here. But I wanted to find out what's most important to you about attending this event? This is the 16th GSR since 2000. And it was very important and will continue to be a very important event because you will have this inclusive dialogue and many important issues. And now we talk about the smart society. We could talk about the digital economy. And the GSR try to touch in all aspects of the future. I mean, you bring regulators, policymakers, industry leaders, and you discuss an open and frank manner what is needed from each party. And you know, GSR, it is important because you have different side events. You have different dialogue means. So everyone can talk about his experience. They can, you know, try to explain what are the problems. Trying to change the challenges to opportunities. And I think this is an important gathering. And we, most of the regulators in the world are benefiting from this. So I wish the successful, you know, results for the event. And I guess the guidelines that usually are the outcome of the GSR are very important. And it can be a reference legal framework, regulatory for a future countries who are still lagging sometimes behind other countries. Yeah, thank you very much. Thank you. Mr. Amashab, thank you very much for your presence in the studio today, and some great and wonderful insights. Thank you. My pleasure. Thank you very much.