 Ladies and gentlemen, I am thrilled to join you for the launch of the very much anticipated new Global Fintech report. It has been five years since we last had a window into the state of global financial inclusion. Today's report gives us a fresh opportunity to take stock of what has been achieved and the work still ahead of us. For many years, I have championed financial technology as a pathway to greater prosperity and financial health. We now have more evidence that this is working. The updated Fintech shows that a technological revolution across the globe has yielded a sharp price in the use of financial technology. From India to Kenya, even the smallest merchants in rural markets are being paid and making payments with the mobile phones that they carry in their pockets. We have also learned that millions of more women have a financial account. When the Fintech 2017 report came out, there was a 9% difference in the numbers of men and women accessing and using financial accounts. But this stubborn agenda gap has finally begun to close. In the last five years, the gap narrowed from 9 to 6 percentage points in developing countries and from 7 to 4 percentage points globally. And although women are still less likely than men to use digital payments, the good news is that when they do have an account, they are just as likely as men to use it. Today's report is being released at a time of great change and uncertainty. Every year, people around the world face unexpected financial challenges. A job loss, illness, crop failure or natural disaster can quickly derail hopes and aspirations for a better life. The report's new insights on financial worrying gives us a more complete picture of people's financials health. It also shines a light on how people are becoming more resilient to these kinds of shocks. In times of financial stress, people often turn to family and friends for help. But when everyone is under the same stress, such as during a pandemic or a drought, these social networks can be unreliable. Financial inclusion offers more resilience. Research shows that when a woman gets an account, she builds savings, spends more on her children's education and invests in business opportunities. The Findex data charts all this progress and more. But it also shows that we have reached a turning point. Most people who can easily open a bank account have already done so. The next step is to ensure that they can access other products and services like savings, credits and insurance that really truly meet their needs and improve their financial health. But there is a steeper hill to climb. Almost 30% of adults in developing countries are still unbanked and much harder to reach. Countries should make the right investments to reach those who remain left out. With more inclusive financial policies to connect and rule customers to the Internet, government and the private sector can step up to meet this demand. Digital technologies are changing people's financial lives. Worldwide, people are using mobile phones and apps to pay bills, save money and run their businesses. This makes it vital to protect financial consumers and help them build the digital and financial literacy skills. Congratulations on this new edition on this milestone report. The data it provides will guide our efforts and help make the dream of universal access to finance a reality. I also look forward to the future indicators on financial resilience that will provide us with insights on individuals' financial health. These will allow us to follow the effects on financial access on people's lives. They will also help us to identify other services that people need to achieve their goals. Thank you.