 And we take this from the business scene before we go to other reports. The Association of Mobile Money and Bank Agents in Nigeria, AMBAN, has vowed to ensure the implementation of the framework put in place by the Central Bank of Nigeria to ensure compliance by members. The national president of AMBAN, Victor Olojo, said this while addressing newsmen and some issues raised by the House Committee on Banking and Currency with regards to agency banking and financial inclusion. The impact of mobile money and agency banking hit a crescendo in the wake of the COVID-19 pandemic and the lockdown, with active point-of-sale terminals used by merchants for financial transactions, recording about $3.1 trillion in the second quarter of 2021. The increase in the value of purest transactions in Nigeria shows the span and patterns of Nigerians and payment preferences, reaching all New Cancreni and by extension, deepening the nation's financial inclusion drive. However, there have been complaints of proliferation of agents, lack of KYC to even issues of theft and other fraudulent activities. The AMBAN executive spoke of a tax force for self-regulation while clarifying other grey areas. Just take one of the case studies. I mean part of the framework of the CBN is that a mobile money or bank agent should be in a brick-and-mortar location, like an address that is traceable. But what we have today are agents under umbrellas, trees, we have agents who are oking this terminal. Rising from our fifth AMBAN and non-national conference held in Abuja last year, one of the resolutions that came out of our robust deliberations with all critical stakeholders was to begin self-regulation using our tax force. Victor Olojo lamented that the members are rough on the receiving end when it came to counterfeited bills and other fraudulent activities, making a renewed call for adequate trading. There was a robbery case that happened in the east and somebody's phone was snatched and those bad guys came to Lagos, they took the seam and transferred the funds to an agent. And the agent, innocently, actually served that customer, not knowing that that customer is actually an armed robber. What we find out now is that those merchants now turn the outlay to a mobile money to get outlays. And that's not what the POS is meant for. And those that give out the question know that this is what's going on. But they're not putting them because what they want, they want money. The growth in the number of POS businesses in the country has formed a major source of employment for Nigerians, especially the youths.