 First of all I'm very pleased to be here. This is the first meeting for the African Development Bank and I would say that what is so unique about this gathering is many things. First of all the diversity of members from various industries, the financial industry, the telecom industry. Also what's very unique about it is the topics that are being discussed into operability is on the table and it's being today is looked at as one of the major discussion topics, a major condition for better financial inclusion. At the African Development Bank we support into operability in various regions in Africa so I'm glad that this focus group is discussing deeply on it and has produced some documentation extremely relevant so I think this group is very unique in many ways. Today's 350 million people unbanked to live in sub-Saharan Africa and I think the work that has been done by the focus group will help a great deal. When I take the example of consumer protection, oversight, frameworks between the regulator, the two regulators financial and telecom, when they sit down and look at the issues together to lighten the KYC regulation many people lack identification in Africa and I think one of the new regulation that is being suggested by this group if implemented will help leapfrog and include many of these unbanked.