 Welcome to the Fiji Symposium 2019 in Cairo in Egypt, and I'm very pleased to be joining the studio today by Kwame Barachem Four, who is the chair of the ITUT Study Group 12 for Sandalization. Kwame, welcome to the studio. Thank you. Now, this symposium is all about digital financial inclusion. I wanted to ask you, in particular, from your experience, what role can governments play to enhance the usage of digital financial services at national level? From the study before Fiji, which was on the focus group on digital financial service, then we realized the ecosystems and among the governments were the regulators for the financial sector and also for the telecom services. But as we have this measure of mobile and money, which traditionally is of two government entities, this kind of measure, even though the ecosystem looks at it that way, should be again reviewed for the factors that I imagine out of this collaboration because now there are new stakeholders who are coming in, such as a phanteks, and then the consumer behaviors are changing. Again, if you look at how the roles each of them have to play, it should go beyond the memorandum of understanding and among the service providers between both the regulator of the telecom sector and the financial sector, how service level agreements are shared. So these are the critical factors which are needed among governments for them to bring more team ministerial, more team industry and stakeholder approach into their implementation and review of their digital financial inclusion. And the methodology that's been submitted to the ITUT study group for standardization, what would be the benefits of this new standard and how will it help telecom regulators? This is a new area. So testing identification of parameters has not really been done to the deepest extent. So there were a number of propositions of parameters for end-to-end identification of their mobile money transactions. So with this, there has been the methodology more of a field trial to see how the means of measurement is done. Many countries have already rolled out digital financial service, but how do they measure them? It could be over 100 different means. So it comes into study group 12. It's the way for member countries of which ITU has over 190 member states and with the various sector members who are into this to bring their ideas to bear on how best these parameters can be measured, especially for service level agreements, consumer protection and also certain targets. What has happened is that knowing the state of the market can only be measured with parameters. And especially now that countries, they are cross-border digital money transactions. It is important that the fields between either countries is known and what parameters they are measuring to know what levels are appreciated by the consumers. It is for this reason why it is very important that the work we are currently going on at ITUT and study group 12 member states and sector members who contribute to this work. And there's a lot of meetings that are organized obviously on a regular basis by ITU and its partners. What do you hope will come from this symposium? This symposium is very exciting. I've been to the previous ones and I see the lineup of activities that are for this symposium. I see that there's a lot more study and experience being shared and I think it's an opportunity for the ecosystem to network further, discover deeper and let financial inclusion be not just for a few, but for the purpose of that it is a global effect on us all. Fine words. Well thank you very much indeed for joining us in the studio and we look forward to catching up with you the next one. Thank you.