 You know, that's a very good question. You know, there's two billion unbanked people in the world and 1.6 billion mobile phones And so that provides a great opportunity to engage people into financial services digital financial services and in addition new business innovation and opportunities empowerment enablement for people around the world especially underserved populations so it's a it's a fantastic opportunity and again the ITU has been facilitating this and you know, I think that's even being endorsed by the G20 because of the impact it's going to have on the world and on people I guess this whole idea of digital identities I think in terms of making the technology just more accessible the ADAR program for example India is a good example where they've been able to provide 1 billion digital IDs using iris and you know fingerprint recognition so I think that's an enabler some of the pervasiveness of some of the enabling technologies I think will make this all possible and also the wide proliferation of just the ability to connect today and the interest of people to connect today so you know it's really a matter of education and just proliferating getting the word out how easy it is and how enabling it is and how it can actually spread to many other other kind of ways that they engage in some way on a financial basis it's more than just money it's about health it's about education digital is really the enabler of all of that so I think education is the basis for it all you know what, I think the similar the process will lead to less corruption as you've indicated and there's some great models like EMPESA and in fact Mr. Ronald Webb did a fine job today in our session discussing the advantages and the penetration they had I think there's a great model there and our other keynote in our session was Dr. Moos Cekshuk and how they're enabling it through the Tunisian Post and even incorporating blockchain I think all of those provide the capability to just make it more secure providing an easier environment and something that should be adopted worldwide and it's interesting that we have these developing countries basically leading the world and showing the way for the rest of the world you know it's interesting you know you have the R3 consortium and there's what probably 45 to 50 banks involved with that there's an announcement out of Dubai and using blockchain but not just in financial like it could be used in real estate there's just the applications are endless and you're seeing that of course with Tunisian Post implementing blockchain it's going to be a reality it is a reality many companies are already using it countries are using it and again it's going to make things simpler, easier, more secure I think ultimately you know that's an interesting question in terms of interoperability and I think that's the reason that the ITU has put together a focus group to actually come together and work on these areas of interoperability and have people like from the financial sector, the telecom sector mobile payments, standard organizations working together working on standards from an interoperability standpoint so I think that's a good move forward to try to address these issues yes absolutely regulatory policy has to follow step and in fact have to be cognizant of what the requirements are and I think again the focus group and the work of the ITU and forming this funded by the Bill and Melinda Gates Foundation is just a great way of sharing and collaborating and ensuring that there is this outreach to all the member states and ensuring that they're involved as well