 Gweithio amgyl heelsfau, mae'n meddwl, dwych yn fwy, a'r Gweithfeydd, yng nghymru Greslu Cyf Hallwy? Mae'n meddwl i gyrdd, fod yn ddechrau, o gweithio ffan Neithering Inclusion, ond byr hyn yn gymrydd y gwaith a'r gweithfeydd, beth mae'r gweith yng Nghymru yn gweithio i gydreffwlad o'r naeul, i gyflwynt ymbiol i gyrdd mwy Remedd i gŷnol i gyd-fawr iawn, rawr'n gweithfeydd, i gyd-fawr iawn i gael grefnodol yma. As a special advocate, I've witnessed up close the power of purpose-driven technology to really change people's lives. And I've seen that when we developed the right technology for the right reasons, we can empower billions of people. A low-income woman whose digital savings accounts will allow her to really pay the tuition for the children to go to school. Or small-holder farmers who've expanded production of things to online credit. Or migrant workers who can use safe mobile payments to send home back to their loved ones in their home country. We have really made great progress, but still today 40% of the world's adults are still locked out of the financial system. We need to move much more quickly. One reason for this urgency is a commitment to the Sustainable Development Goals. Financial inclusion has been widely recognised as a crucial enabler for reaching these goals in 2030. So, if you want to catalyse real progress, financial inclusion needs to be in place soon. A new revolution in financial technology is beginning to unfold. Blockchain, artificial intelligence and big data are already really transforming the financial landscape. In China, Kenya and Tanzania, for example, financial services are being provided on a massive scale thanks to innovative technologies. So today technology is making it possible also for people to co-design financial services to reflect what they really need. And I cannot stress enough, if we do not listen to the people's needs, we're really not going to be able to make them transform their lives and really develop themselves. At the same time, we must ensure to protect their privacy, their dignity and their rights. I'm really very excited. When I said this work more than 10 years ago, it was going very slowly. But today with technology, I think we might actually be able to make it even before I retire, if I ever do. Thank you very much everybody and please let's partner to make this true. Thank you. Thank you.