 आप आद आद है। मेरेडी बनादिल नूभार्त यहाँ पर आप ने देखा के हम चले कहाँ से और पहँज खारेने। अगएं तुच्टल नूभाशन और जो भीस्टल के ख़गे लिए पुद आप आप आप आद रहें। the case of digital money to understand that the digital divide and inclusive innovation how it comes to you I will talk to you with a personal example how I was in a society where I was shocked that there was no cash there I gave it to a complete cashless society in Japan also there are some places and the whole of China has become a complete cashless society for example I explained to you cashless society means through the scan of the V-chart your payment is transferred and the bank is attached to your V-chart whether any construction China construction so and so forth the bank will link up with you you scanned and you got it I thought that there are some places where I can go to the bourbons and there is no internet and I have no excuse if there is no internet then I do not have cash so there is no cash there is no weird thing because there is no and they have a mobile and mobile is the whole world now I was looking at this cashless society and I was going there there was a basement and I did not have internet there so he has given me and he said you take the wi-fi and scan so there is no end so the point is that he insured that there is a wi-fi internet and broadband there will be a wi-fi then you have become a cashless society actually on a criminal tour everywhere it was insured that there is a village county, city a big city whether it is Beijing or Shanghai or whatever or even in small towns or anywhere else so you are insured and your ready one I saw it that the ready one will work without cashless because we are very sensible we are not able to be Pakistanis we are very sensible and we know everything and we have this idea that what does it know so I thought that ready one what does it know that how VChat works so as soon as he spoke he knew that he is foreigner what will he do so he knows this vision so when he did vision then we did vision and he knows the system so there I got one more clarity that when you go to communities and any system will take you to the bottom and make a criminal system then all of them will be with that car there is no problem case of Pakistan debit credit came they said do transactions with banking channel from every car where you talk or the payment you get a tax of Rs. 400-500 and if you do the same payment as an example in the last days there was a payment which I had to do then there was a bill of Rs. 8000 if I would have done it with a card then Rs. 6000 that means in that GST and all if I would have got something minus then I would have got so much from the card so that means you understand the difference of Rs. 2000 so when slowly and in total Pakistan if we look at it now then only 11% of people who are taking advantage of it and they are slowly coming to this that they are coming in the work of debit and credit card now gradually when we will go towards digitization and in the ease of doing business you will start to understand that the sales of money to send money quickly and to get money quickly how it will happen so now we have not come into mobile systems now gradually when we will come to this system then gradually there will be a criminal development we will discuss the case of this here what I have written for you because I have written your cases but I have told you I have told you that demographic, geographic, behavioral, psychographic you will have to determine all these things but if you say that nothing can happen because I have lived in such a society where there is no difference from literacy after introducing the system you have to go under the society here important words are written the case explore the initiative taken by the community building youth future CBYF from the beginning of the initiative access to technology, internet and the ability to use technology where thus prominent barrier for the all communities to grapple with when communities grapple and they will have hindrance and barrier all will be problem when communities reach so modern information and communication technology, ICT and those don't or have restricted access when you will reach to the communities then they will have clear information and their understanding will be part of the system so here as I have told you that the case of digital money there is a clear thing that if you bring a new idea then to do unresistible you will have to develop a criminal and then when the community comes to that then your understanding will be clear thank you very much