 The ITU DFS Focus Group has been unique in bringing together various stakeholders from both the private sector and the public sector. We have regulators here, we have service providers. We also have stakeholders from the donor space and I think not enough can be said about financial inclusion. There are various other initiatives for example AFI, they're also responsible finance forum and also the GSMA who all have various initiatives geared towards driving financial inclusion and particularly digital financial inclusion. So I think the effort or this current initiative by the ITU really is just a continuation of the other various initiatives that have been there. This particular focus group has had three specific working groups targeted at three very important areas which can be perceived as challenges or initiatives towards driving financial inclusion in digital financial services. One working group has been the consumer protection group which in fact I'm a member of which has looked at the various challenges there are obstacles towards driving financial inclusion through the digital financial services. And there has also been the working group for the ecosystem which looks at regulation and other areas that make up the financial service ecosystem. There has also been technology and innovation working group which has looked at the various issues around innovating digital financial services, the barriers and also what can be done to improve or to eliminate those barriers. And I think each of these working groups has been extremely important and instrumental in coming up with recommendations as to how digital financial services can be advanced even further by the regulators and also the providers in the various regions in digital financial services. So it is my hope that these discussions will not end here, that the very useful recommendations that have come out of these working groups will actually be implemented. The reports that have come out will not just be put somewhere on the shelf but they will actually be rolled out and given to the regulators who will look at them and implement them. Having said that every region and every market is different, there are recommendations that have come out of these meetings which may not be applicable in certain markets. And my hope is that the regulators will take this into account and adapt whatever recommendations they are which they find applicable to their particular markets.