 Good evening and welcome. We're coming to you from the Fiji Symposium in Bangalore and with us today is Kevin Hongwei from Alipay. So welcome Kevin to the Fiji Symposium and first of all how does it feel like to be part of the first Fiji Symposium? Yeah actually this event is very good especially through international organization work together especially for this ecosystem of financial inclusion. It's very good. Thank you for being here and we're happy to have you. Also can you tell us more about the potential of digital financial services to increase financial inclusion? At first we should understand what's the financial inclusion. Financial inclusion is the delivery of financial services at affordable costs to the average people and also the small businesses and especially for the some people in rural area with this digital financial services they can break through a lot of limitations. For example with this we can base on the telecommunication network and also internet. So many many people like people in rural area and also some disabled person. So it's the first break through the limitation. The second one is in the traditional financial services in city halls they have some opening hours so with this digital financial services they can provide services at any time and the third thing is we can use a smartphone and some to get all these financial services. Yeah all of this can promote the financial service. Yeah so a lot of technology which is going to help us promote. Yeah so according to you what are the key innovations that have made Alipay a reference in the digital financial services? Yeah actually I think there is one keyword it's tech thing that's not think tech. We just use some innovative technology to promote financial inclusion and currently we use like big data cloud computing, artificial intelligence and also biometric authentication. And it's the comprehensive solution. For example the artificial intelligence will use some big data cloud computing to provide these financial services and also the biometric authentication and the risk control also need this big data and artificial intelligence. So when you say about biometric and digital ID are there any concerns related to protection and privacy of personal data? Yeah actually identity information is very sensitive so we just use a lot of other information for biometric authentication especially in some local verification for example in smartphone we use just input biometric authentication local and there will be some comparison about this biometric authentication and this sensitive information will not leave smartphone it's the yeah just use some trust environment it's I think most important thing. Yeah and actually in our company we have collaborated a lot of partners in financial services partners to establish AIFA. It's the abbreviation of internet financial authentication aliens so it can make much more better the like biometric yeah biometric authentication for this ecosystem. That's great that's my understanding. Okay thank you so much thank you so much for being part of this thank you very much.