 Sure, in Kenya we've become number one in the world rankings for financial inclusion and that's entirely been on the back of digital financial services and that's primarily being in PESA. We've got 75% at least now of the economically active adult population using in PESA, transacting most of the GDP each year goes through our platform. We look at it and say that we have four pillars of success. The first is certainty. The understanding of the user that he can use it pretty much everywhere. He can get a consistent user experience. He knows exactly what he's getting. It's the same type of transaction whether he's doing a merchant payment, whether he's doing a person to person payment, whether he's receiving international money transfer. Critical mass is incredibly important. Somebody said out there that if you don't get critical mass you'll be in critical care. Without critical mass, most of these services just don't get traction. It doesn't matter whether you're Apple or whether you're in PESA, you need critical mass for that to be successful. You also need good pricing. For the poor, cash is frictionless. There's no third party trying to take a slice of that transaction, putting their hands into your wallet or pocket and taking a bit of the money away. That's still a problem that we have with digital financial services. There's always people to pay. As you interoperate and as you interconnect through switches, there's more and more mouths and more hands wanting a slice of that transaction. And the more we're able to keep that under control and keep the price point right at the very low end, the greater the use. And then finally, reward and loyalty, rewarding people beyond just being able to do the transaction as another critical success factor. Understand the needs of the customers, don't dictate them, and then provide the right product at the right price. In most countries, innovation is running ahead of the regulators and the regulators have two approaches to take. In Kenya, we were extremely lucky. We had an understanding regulator who basically said to us, we don't understand this. We think it has some huge potential. So we're going to have a light touch regulation until we get to understand it. We work up the wrinkles and then regulation followed. And so all the regulation we're under now actually came in after we were able to innovate. So we were extremely lucky and the central bank and other regulators in Kenya have received massive plaudits for their approach in how they are allowed in PESA to take off as the first in the world. Okay, so technology side, I don't focus much on that because I believe that technology led ignition strategies often fail. Customer focused ignition strategy is the one that worked. So whatever the technology is, in Kenya, we use some toolkit and other markets in PESA uses USSD. I believe slightly less success. Blockchain, smock chain, I don't really mind as long as I get the right service for the customer at the right price. Interoperability is an interesting one because interoperability usually is more around convenience rather than inclusion. There are not many cases where you can point interoperability as a driver of financial inclusion. What it's done is it's given choice to customers, choice often comes at a cost. So we do massive interoperability with banks, we're growing interoperability with other mobile networks, but it is not the major driver for inclusion. So what we've been doing in the first set of meetings and the first output the digital financial services working group is putting out has been basically laying the foundational understanding of what the various components of DFS and digital payments for example are. The next round is going to be around how you take those and apply them and I think that's where we'll start to bring some of the learnings from East Africa particularly saying what are the parts you need to have in place. So for example, are standards important early or is getting a huge agent network so you get convenient access for customers more important. Interesting question. Well first off let's separate those two because the one is highly inflammatory Bitcoin at the moment we're not interacting with at all. Our regulator has said to us to leave that alone and the poor can't afford the volatility that that environment has right now nearly half of all Bitcoin exchanges have failed within the last six years daily volatility of the exchange rate none of those are viable or fair for poor customers. Blockchain is a technology different story. And I see enormous use there for particularly countries that do not have a national identity system so how do I provide identity services for the poor who are being excluded because of global AML KYC requirements it's not their fault they don't have an ID document it's not their fault that they do not have an address. Blockchain is one of the ways that that could be provided. Blockchain will also flatten the intermediary chains between one transacting party and the other. So people like Swift, National Switches, the Card Associations I think ought to be very worried about blockchain. Take Apple Pay right now that runs on top of the Card Association you know if they got critical mass at Bank at Merchant they could replace that with blockchain in an instant and cut out that huge cost. I see tremendous upheaval coming around blockchain in the future. So if I take our market for example we're doing millions of transactions we do about 150 transactions a second about a hundred million dollars a day moves through in PESA and yet we're only doing about a quarter of a transaction per customer per month in payments to Merchant and that's where the critical mass is you know I've got to solve that relevance point which we haven't done yet we're working on it and that's going to take different technologies it's going to take different pricing to provide the viability point for a merchant you know in the card space you know you're looking at an average merchant commission globally of around two and a half percent for what we call a mum and bogey this is a street trader this is a mother typically who will be waking up at three in the morning going to the market to buy some vegetables and then walking out into the streets to sell those to the populace you know she's got tiny tiny profit margins and to expect her to pay even one percent just simply doesn't work and that's one of the reasons why we haven't penetrated that market it's been too expensive for her to use our services we need to make mobile digital financial services as frictionless as cash it ought to be as easy as handing over a banknote and it ought to be as cheap as handing over a banknote that's the challenge