 Good afternoon and welcome. We're coming to you from day two of the Fiji Symposium in Bangalore, the platform for all dialogue on financial inclusion. And with me is Mr. Kwame Bahacham for the lead on QS Workstream for Fiji. Welcome Kwame, and how does it feel to be part of the Fiji Symposium? Thank you very much. It's great to be part of this beautiful collaboration between the International Telecom Union and the World Bank Group pursuing this global agenda of financial inclusion which has been long overdue and I think that this step takes us further to bring everybody on board in the financial inclusion agenda. Can you tell us a little more about the potential for digital financial services to actually make financial inclusion a success? What it is is that everybody loves money. Everybody wants to use money. But we also acknowledge that the most advanced rich, just as money could have gotten into the packets of everyone or into the packets of almost everyone, the means of sending money across to everyone, the potential as well as the telecommunications network which is more connected among people than usually the banks are. They are more unbanked people than they are less connected people. So we can say that the connected through technology or mobile communications is further than the connection on the bank and sector level. So the potential here is that we could spread the connectivity of spreading money around or sharing money around through the mobile technology platform and this is the potential where we can use to push for financial inclusion. Tell us how important is it for the telecom companies and the banks to come together to create financial inclusion? I think times of change. I mean there used to be the times where we could just change bread with salt and we moved into currencies. The time has come that there has to be that collaboration and just as most of the country's name they call it mobile money. So it puts mobile and technology and money on equal footing and this is where the two sectors have to come together and I believe on equal footing. On the higher level if they can go as far as having laws and regulations which really energizes them which really helps them collaborate to achieve this agenda it is very positive. Meanwhile if it is a memorandum of understanding which is between these two sectors what I will say is that it should be visible to more than just the two entities who signed these MOUs but it should be available to all stakeholders so that they know what is on this paper called MOU so everybody can take advantage of what is between these sectors for them to be really informed about the financial inclusion agenda. And what are some of the success factors and the barriers that will allow us to harness the full potential of digital financial services? This is money and money taking it around means trust. There is also the need for security. Some of the problems that we've had currently where there's financial inclusion and money going around is the people losing their money and if this keeps going on there is that the potential that people withdraw from using such a platform. So there is the need that the networks are secured. There is the need that the confidences build among users and they also have to be assured of the quality of service with these platforms. So these are very key to the success of mobile money or digital financial services. Thank you so much. Thank you so much for your time Cormie.