 You know that I belong to the telecommunication regulator, so we had been actually trying to participate in this focus group on the digital financial services since the very first session. In the very first two meetings my chairman participated and later on I started joining this you know the journey right from the KL till today here at Geneva. So this particular focus group actually it has an unique understanding regarding the digital financial services in the way that it actually subdivided its total you know the study in four different threads like it discussed with the ecosystem, it discussed regarding the technology innovations and the competition, it discussed also with the consumer experience and then last but not the least regarding the interoperability. So the four basic requirements or you can say the four basic pillars of the digital financial services. So over the period what I have understood is that the participants from different countries have whatever understanding and whatever practices in their market in their industry or all revolves around this particular four pillars. So I should say that the this particular focus group is uniquely focused on all these four subjects which is really you know very much vibrant in the financial service industry that is emerging and it will give a kind of sustainability in the you know the market in the industry for years to come. That is a unique say in the world right now that two billion people are still unbanked which is considered about my country we have 160 million populations. So out of that around 130 million subscription we have as far as the mobile connectivity is concerned but then if you just look at the accounts in the mobile financial accounts it is only around 37 million and unfortunately half of them are inactive. So you see is it immense potentiality in the growth of the financial activities over this you know the mobile specifically the mobile financial services in the country like Bangladesh which is the developing nation. I am sure this is also is the same case in all other countries which are developing maybe middle income countries of the world rather than the I must say that we have a lot many things to take away from this particular focus group discussion so that we just put into our regulations we put into our practices we put into our industry so that it grows in a right way to build the trust over this digital financial services by the subscribers so that it really have an effective role as far as the financial inclusion is concerned.