 It started 10 years ago, I met Tim in a London cap, and we talked about how it could be that we in the world are depending on where we are born if we have an opportunity of getting finance. We found out that we will build a model and we would start where it was most difficult to get finance in Africa. Africa is one of the fastest-growing economies in the world. There are yet 380 million people who do not have access to finance. Out of these, 25 million of those are small businesses who need capital to grow, employ people, and contribute to Africa's growth. With the point of departure of eBay and how they digitalized the flea market, we would like to find a way and how we could connect and build a transparent model of a crowdfunding platform which will provide capital to small businesses in Africa from lenders and investors in the whole world. So, my C4 is an internet platform where investors from around the world can lend money directly to a small business in Africa. That means that when the business in Africa makes a profit, the investor can also make a profit. How it works? These small businesses have a need for capital to grow and a loan officer will assess if the capital they receive will be enough for them to have an opportunity cost and pay back the loan and grow their business. They will be uploaded on my C4 with a description of this and what the cost is and all interest and cost is transparent to everybody and there is no cure, no pay for the business if it doesn't fund. On my C4 we use a Dutch auction with a principle to determinate the interest for the borrower in Africa. It can yet never be higher than what the entrepreneur said yes to when the loan was assessed but the loan could be cheaper. An average loan on my C4 is €1000 for 12 months paid out in local currency and costs €20 on a monthly basis. It's funded by 20 people from around the world or companies or organizations. Borrows can also be organized in groups and training provided by the partners we have in the field and new things like solar lamps included in the products when they get their loans. Some facts. Today we have funded 15,000 small businesses in East Africa with over 22 million euros from 20,000 lenders from 112 countries around the world. It's a good start and you should try it. It's online myc4.com. Now we have an idea. How could we find a new solution that can revolutionize the banking industry in the emerging world and speed up development? Crowdfunding version 2.0. The idea is to give people in Kenya the opportunity to use their mobile money to earn the income by investing in small businesses in Kenya. The cornerstone of that solution is to enable fellow Africans to develop their country and create a new ecosystem building on the following two components. Peers gaining an interest on their savings by lending to peer borrowers growing their small business via online credit rating and sign up for a loan by the borrower. The idea is building on three values transparency trust and togetherness. We believe that our idea will lead to that capital would be accessible for growth and the cost of capital for the emerging markets and the countries reduce. African entrepreneurs actually outperform other entrepreneurs in the world like in the US and in Europe given equal conditions. Yet there's one of the conditions which is lacking and that's access to capital. Now why not start this idea this new solution in Kenya where in PESA today has over 14 million users and 30% of GDP is transferred via the mobile phone. They actually do more transfers domestically than Western Union does on a daily basis which is 19 a second. Now we would like you to help us to drive this idea further and for this idea to scale first locally in Kenya and then globally for the world. So my challenge to you is our platform works today successfully. It's a technology it's online it's replicable it has investors from 20 countries from 112 countries 20 000 investors how can we take this model and localize it and let the Kenyan people use this model to fund their own businesses. Thank you very much.