 Welcome to the Fiji Symposium 2019 here in Cairo, Egypt. I'm very pleased to be joining the studio today by Mr. Kevin Hongwei, who is from Ants Financial Services in China. Mr. Hongwei, welcome to the studio. My pleasure. Now I'd like to start off by asking you a question that I've been asking a lot of people that have been sitting in that chair there. What will it take for the world's poorest people to prefer digital financial services over cash? Yeah, it's very related to advantages of DFS. Actually, firstly, DFS can break through the limitation of time and space. The people, especially the poorest people in rural area, can access financial services only with a mobile device. So it can latch the financial services scope. Meanwhile, DFS can also decrease the handling fee. It's very important. For example, the poorest people in rural area usually get the social welfare. And in traditional way, there will be very high handling fee. So the recipient can only get the part of the social welfare. But in DFS way, the people can get all the money from the government without any loss and with very high efficiency. It's a very good thing for the poorest people. How do you see the FinTech sector reshaping digital financial services? Yeah, as we know, the financial services mainly depend on the underlying infrastructure, which is shaped by the technologies. Currently, FinTech can provide a lot of innovative technology for the underlying infrastructure. And the innovative technology not only accelerates financial services, but also can create new financial services. There are two examples from Alipay. The first one is the cross-border remittance from Hong Kong to Philippine. And the blockchain just transfer the remittance information to the Philippine from Hong Kong. And the local bank just trust this information and can deliver the money, the cash, to the recipient account directly. It's the first example, the second example about the QR code scanning. And the merchants just have QR code on the paper and the user just can scan the QR code to proceed the payment with very high efficiency and a low cost. It's some example of this. What about authentication? Kim, perhaps you could tell us a little bit about, I understand that Alipay has got some technology for strong authentication. Yeah, actually it's a very good question for me. And I just want to introduce the Alipay authentication using IFA standards. There are two aspects. First aspect, IFA is a set of standards and specifies the end-to-end authentication scheme. And the security is the most important point of this IFA, including the security of terminal, security of connection, and the security of identification. So it's a very important part which has been implemented in Alipay authentication platform. The second way is IFA is very easy to integrate into the existing unified comprehensive authentication platform. There are also some password-based authentication tokens based on authentication and also, which can be controlled by user configuration and also risk control. If the authentication is suspicious, then maybe two-factor authentication will be used or even more. So that's our authentication based on IFA specifications. And finally, what contributions can Alipay make for Fiji and other international organizations such as ITU and World Bank? Yeah, I think the biggest contribution for Fiji, ITU and World Bank should be the practical experience from Alipay. Currently, Alipay have over 870 million users so far and a lot of sophisticated application scenarios. And meanwhile, Alipay also is a FinTech company and there are a lot of innovative technology and FinTech experience. Both of them can be contributed for the ITU, Fiji and World Bank. And we just want our contribution to be helpful for the financial inclusion and also so much more people, especially the people in need. Well, thank you very much for joining us in the studio today. And we look forward to catching up with again some stages in the future too, hopefully. Yeah, my pleasure.