 Digital financial service is dominantly used through mobile wallets, especially for the unbanned and to start with on how important quality of service works for digital finance where there's no. Mobile network service. A mobile wallet cannot be delivered and in certain instances where the mobile network has challenges, the digital financial service becomes redundant due to the post server relationship that they are. So suffice to say mobile wallets operates and rely on the quality of the networks to deliver at service. So the good health of the mobile network is therefore important for digital finance delivery. For telecom and DFS operators, measurements of quality of service, key performance indicators help them to understand the state of the markets in delivering the service to the consumers criteria on such as for every transaction which is sent. It's important whether every transaction is sent is important on like a voice call where you can drop it and then the bailing stops for a digital financial service. Which is lost. It means it's not accounted for and money is lost. And so it is very crucial that for every transaction that is made, it is accounted for. It is therefore important to identify and measure and appropriate indicator, which ensures that all transactions are successfully sent to those that are intended to be sent to. And in the situation where the transaction is completed or not, there is the need for a regulatory timeline as to when the transaction is deemed successful. Therefore, for a regulator, these key performance indicators act as a guide for you to improve the quality of the digital financial service and also the measurements of the performance indicators are used to compare the providers for consumers to make informed choices. Let me credit the ITU for being the avenue where focus group discussions were held which preceded this financial inclusion global initiative. From the output of the focus groups somewhere in 2017, ITUT study group 12, which is responsible for quality of service, accepted a work item from the studies from Fiji, which has developed into a global standard. And due to the growing interest in the quality of service, which is related to digital financial service, the ITU study group 12 now has a new question, which is focused on such studies. And with the ITU, there is this diverse expertise in regulatory network operations and others. And it remains the primary venue for the development of truly global standards for digital financial services. So this is where everyone who is interested in quality of service related to digital financial service is supposed to have that conversation to know what case studies, what standards and what improvements can be made in this ecosystem.