 We're here at ITU Telecom World 2015 in Budapest, Hungary, and I'm very pleased to be joined by Elizabeth Martin Zaghi, who is the Director of the Legal Service for the Tanzanian Regulatory Authority. Mr. Zaghi, thank you very much for being with us today. Happy to be here. Now, I'd like to start off by talking about the theme here at ITU Telecom World 2015 is accelerating innovation for social impact. How do you see innovation directly impacting socioeconomic development in Tanzania? In Tanzania, we believe that technology is the accelerator of the economy, and we encourage the development of technology in our country, and we have done a number of things due to the policy which we have, to the regulatory framework which we have, which encourages innovators to participate, and as far as Tanzania is concerned, the technology which we have seen, the very ready technology which has been added to the telecommunication is on mobile money. The mobile money now is like a bank to our people, and it has helped a lot in a lot of things. In the payment of the different services, nobody would just decide to go to the bank and waste a lot of time in the bank, so it saves the time for somebody to do that, and also, even in the villages, the people now are using mobile money to do a lot of things, and we have encouraged a lot of our innovators who the licensing framework which we have, it is technological neutral and service neutral, so it enables them to think out of the box, so in that way, it has really helped our people to do a number of things, and we believe that we are in the right track. How quickly has this change happened? The change happened since 2005, when we introduced the new licensing framework, and when we had reviewed our policy, the telecommunication policy, we used to have a telecommunication policy, but we also had to put in place an ICT policy, and we developed a number of strategies which helped a number of people to provide the services, the different services. What measures do you think that government and industry can take to encourage entrepreneurship and foster the growth of SMEs in the ICT sector? I mention this particularly because here we've been focusing quite a lot on SMEs and looking at innovation, and I just wanted to find out what is essentially what's happening in Tanzania, what's the situation there? In Tanzania, we have established a number of incubators which allow the innovators to participate in this startup, because they have ideas, after finishing universities they know things, but they don't have the opportunity. These young energetic men and women, we have the incubators like the DETBI, which was at first we started with the rail bank, but there are a number of incubators which have started like Kino, Tanzania, ICT, Mara Foundation, and they have a niche of business, these different incubations, and they've managed to develop a good number of innovators. Some have even managed to be identified by the international organizations like Forbes, some have even managed to provide services, to provide applications which is helping the government in ensuring that the services go far, like the payment systems, they've made to do that. We have even here one of the young innovator who has managed to provide an application which helps if somebody loses his telephone, then he has a backup and whatever, and even the payment system, some of them are here. And also the funding, we know innovators, they like funding, so the government, much of Tanzania is not a very rich country, but it manages to fund some of these innovators, and also we promote them by coming to meetings like here, the World Telecom, and even other to come and exhibit their knowledge, and in that regard, they manage to get partners who have even managed to export some of the talented people in Sudan, and they are doing a good job. I was going to ask you, how is ITU Telecom World helping to showcase innovation and support SMEs, but you're obviously, you're doing it yourselves by bringing people here across, and has it been a successful venture? It has been a very successful venture, because these young innovators have managed to meet some partners who are partnering in doing some activities, like the other guy whom I mentioned is called Margiela Tech. They have been partnering with a company in Malaysia, so by doing that, of course, we're exporting some talents from outside and also managing to get some investment in our country. Also, I wanted to ask you, what is the value for Tanzania of attending events such as ITU Telecom World? Tanzania is not in any island, and we need to meet with other people like here in Telecom World. You meet the industry, you exchange ideas, you meet your fellow regulators, you exchange ideas, you meet the SMEs from different parts of the world. This enables you to share and of course, add value not only to the country, but also to the international community, because wherever you are, you have something to add. So by coming to ITU Telecom, we get a chance of meeting different people. We get contacts and also new ideas which help to improve our industry back home. Finally, what's your main message to participants here at ITU Telecom World and the wider audience that will be watching this on the internet? Because this Telecom World is more geared to SMEs, the industry, the government, we need to help them. Because it is through the SMEs, where we see that there are changes which are going to happen. So and this SMEs funding is a problem because it's a new graduate who comes out of the college. He's not liquid, cannot be given a loan from the bank. So the only help is the government, some partners like World Bank and the rest, which can help the SMEs to prosper. That's wonderful. Well, thank you very much indeed for being with us in the studio today. Much appreciate about it. Thank you a lot.