 Ladies and gentlemen, it is a pleasure to join you for the launch of the GSMA State of the Industry Report on Mobile Money 2022. Congratulations on the 10th anniversary of this important publication. Over the last decade, we have seen the transformative power of mobile money as a pathway to financial inclusion. Today, mobile money provides a means to transact for more than half of a billion active users in almost a hundred countries around the world. It has helped unlock access to financial services for many people underserved by the traditional banking industry. This includes the poor, women, small-holder farmers and MSMEs. Yet, our work is far from over. Economies around the world are trying to build back from the COVID-19 pandemic. We must ensure that mobile money is used not only to transact, but to help everyone access the financial tools required to manage economic shocks, improve their financial health and participate in an inclusive recovery. Services should be safe, affordable and meet people's needs. They should go beyond payments to enable more access to products such as savings, credit and insurance. Asmoho Lafama could be helped if his mobile money provider would work with agricultural suppliers to make it easier to purchase products such as yield-enhancing seeds and fertilizers, or if partnerships could give access to affordable clean energy. This would allow him to increase his family income and build resilience to weather, economic and climate shocks. Services should also be widely available and connectivity should be made a priority. This will require investments in digital infrastructure, partnerships, enabling policies and improve digital and financial literacy. While doing this, it is important that we continue to focus on closing the persistent gender gap in account ownership and bridging the digital divide. Likewise, we should continue to encourage active usage as well as uphold safety and trust in an evolving digital financial services ecosystem. In closing, once again, congratulations to the GSMA on this milestone. I look forward to the continued important contribution of the mobile money industry as we strive towards a more inclusive and resilient future. Thank you so much.