 Welcome to the Fiji Symposium 2019 in Cairo, Egypt, where I'm very pleased to be joined in the studio this morning by Mr Esam El-Saghia, who is the Chairman of Egypt Post. Mr El-Saghia, welcome to the studio. Now, I'd like to start off by talking a little bit about the ffintech sector. How do you see the ffintech sector reshaping digital financial services? Look, I think it was the current e-services or digital services when wanted or requested by most of the customer without the ffintech and without having a digital identity. A digital profile for every customer will never be able to give digital services or e-services or even just provide the service through a mobile. Second, we have 4,000 branches distributed all over Egypt. You require a lot of infrastructure to be able to link a 4,000 and serve about 14 million working citizens every month. You need to shorten the time. You need to have all the services automated from the same counter to cut the time required by every customer. You need to have a digital identity. That's why using the ffintech and technology and ICT, we're going to a biometric identity for every customer. If you work with most of your customers, our categories C or our rural areas or our remote areas, some of them they don't even have to sign or try, then biometric identity will save a lot of time, will give them a trust to use the services. It will require some culture change to be able to do this, but I think we are on the right map. So definitely technology and ffintech will reshape the services for the next two, three years, and that's what will happen for the last two years as well. I usually change now from a normal standard on the counter services to mobile and digital services, and definitely this will again play a big role in financial inclusion. It very much seems to be the future. I wanted to ask you from your perspective, what role can governments play to enhance the usage of digital financial services at the national level? Look, in our stage in starting a national database, we just said we need an additional identity and we need a customer profile. This will require a lot of change in policies, regulations to have a digital signature as an example, to access a citizen or a customer's database in different governmental, and sometimes you find this is a challenge to share citizen databases. This has to be done through the government. You need to change the regulations for people to start to use mobile. Government rules and services need to give a lot of incentives to citizen to start to use these services or digital mobile, or even to just have the financial services. Sometimes the loss of trust of the financial services will keep people away, especially if you serve in the rural areas and everyone used to work in cash. They don't trust yet the government. I give you a very good story. We started to give a debit card to every customer and to collect their at least pension. We hand over a pension for a 7 million citizens. So an old lady, she got a salary of 1,770 pounds. She went to the ATM. We helped her a lot to use it. She was draws at once and was standing in the queue to collect the 7 Egyptian pounds, because the ATM count had 7 Egyptian pounds. We said, it's okay. She said, no, how I know that it will remain my account. I will stand in the queue to collect it. This requires some time for people to start against the trust of the system. No, it's okay. Even if you leave it, you will have an interest on it. Next month, she did not withdraw the full amount in the first day of the month. She started to use it to pay through the supermarkets and is it easy? No, it's not easy. It took some time, but I think we are on the right track. What will it take for the world's poorest people to prefer digital financial services over cash? Will digital financial services be enough for this to happen? Can I just say a digital financial services for this category of customers? You need to build or form the right product for them. You need to build, as you said, the trust. You need to reach them and speak the same language. Sometimes you have the right product or you have a fantastic product, but you don't speak the same language of these people. That's why there is a lot of trust between a customer or citizen and the post office. If you go to a small village, people speak the same language. They have the same culture. That's why you find a lot of trust. You find a lot of... They are families. You know everyone by names. So it's very easy for them to take the product and convince people that this is better. Once we talk to this channel, it is doing very well. So first we take them to the right... or create the right product. Speak the same language. Have everything very simple, very straightforward for them and easy to use. Today we just said our strategy for financial inclusion that provides service to anyone, anywhere, anytime. To discuss, it requires what we just said, that you need to reach people everywhere. You need to speak the same language. You need to have the right product and in any instrument. You need a very smart mobile phone to be able to do it. You have to see what type of phone actually are you using and you have to enable it. Thank you very much for sharing some of these valuable insights with us and we look forward to catching up with you again some stage in the future.