eur étant un élément d'identité quelqu'un qui n'a pas d'adresse n'existe pas était notre chantier qui nous interpelle pour que le service universal universel puisse arriver au dernier kilomètre de l'ensemble des points d'afrique évidemment cela doit être soutenu par une régulation en afrique en tout cas nous y pensons même si ailleurs ça ne se justifie pas l'afrique a besoin de régler parce que les réformes économiques entreprise sous le dictat de ce qui à l'époque se présentait comme étant nos partenaires de développement ont conduit à une désastre presque complet qui a laissé sur le carreau beaucoup de nos concitoyens et qui pour notre objectif 2063 doivent être embarqués à bord et pour cela il faut une régulation pour mettre de l'ordre sur ce marché il faut aussi que le service universel puisse avoir ainsi un financement pérenne d'où la nécessité de créer des fonds spéciaux pour son financement et l'adoption d'une politique postale pertinente et des directives nationales qui se baseraient sur une directive continentale que nous sommes en train d'élaborer en collaboration avec le parlement pan africain voilà monsieur le moderateur cher collègue l'essentiel de ma présentation je vous remercie merci beaucoup you know steeping secrétaire général de la union postale africain le secrétaire général de cette union important et je vous remercie beaucoup pour vos remarques et on va discuter ça après maintenant je donne la parole à l'honorable dr de bretion gabrie michael gabrie michael's post probably easier in english vice premier minister minister of communication and information technology of the democratic federal republic of ethiopia he's also chairman of this papu of the plenipotentiary conference of the pan african conference on the post of the post union dr de bretion gabrie michael is deputy prime minister for finance and economic cluster and the minister of communication information technology of ethiopia and he is also currently the chairman of the board of the opium electric power corporation he was previously director general of the ethiopian information and communication technology so his whole professional life he put into building up technology infrastructure in his country and they welcome you warmly here he's by profession engineer which usually helps understanding technical the technical developments in a country not like me as a lawyer who usually does not understand that really in depth so you have to flow thank you moderator excellencies ladies and gentlemen first i would like to thank the organizers u p u codibor and other partners for organizing this event and inviting us to be part of the event well i think this is not the right time for me to make a speech regarding this postal services but i would in the interest of time i would be very short before i proceed to the topic that has been already introduced by the moderator i would like to talk one story that i have comes across the postal service well it's a long time back while i was a student you know in ethiopia we had a revolution the the current party in power is the one that leads us to revolution so one day i was assigned to send a letter to officials by the revolutionaries since the revolution by then is a legan i just cannot communicate the officials directly because i would be put in jail so what i have to do is i have to go through the post office i cannot i have not i should not register my name but it's an ordinary mail so mail has done the service for me and it was quite uninteresting there are a lot of messages from the revolutionaries to the then governors to let them know that they have to cool down they have to take care of our people they have to be as much as possible moderate until the time comes so this is one of my best memories of post when i was in travel when i was assigned by the revolutionaries to to hand over but i cannot do that because i will be caught so i have that good memory and today i'm the head of this well i'm not the director but as a minister i'm heading this postal service so i know the benefits during bar time now i will i will move to the the main topic the challenge of the universal services and the solutions they have they have been many speakers have discussed about it since yesterday but i just want to briefly say some few words and some few ideas on what we do with utopia and of course it also covers the region there are four challenges that i have tried to identify but i'm sure you will agree with them with me as well and i will highlight what we are doing to address those challenges regarding the universal service one of the challenge that has been been discussed time and again is of course postal volumes is declined also in our case so to address that we have embarked this e-commerce initiative in our country we are just beginning and this on this track so the government has issued strategies and many other directives to expedite e-commerce and postal service will be instrumental in transforming the digital to the physical one you cannot complete the whole process by e-commerce e-commerce you can do all the activities but the physical handover must be done by some agent and that agent i'm sure we agree is a postal service in this regard i also heard yesterday a good experience from saudi post they have said they have an agreement with amazon so they have to bridge the communication the digital is physical and that's an excellent experience we all have to emulate and we also like the experience that we heard the second thing that we have to do in our case is to serve the under serving population so in the rural community we have around 80 percent of the country is rural and they have don't have access to to posts so now we have already embarked a project at currently it's a model project to link post office to the rural community as well at the moment almost 95 percent of the rural community have a telecom service we have already telecenters we have a new list of services to the centers that is it electronic services the search service coming is postal services so now we have we are transforming the telecom centers at the villages communication centers they can provide services of telecom it and post and regarding cost there is not much to do from the postal service because it's already there the establishment is already there we are adding the services so people will be served and postal service will also get a revenue on top of it they are supporting the development of the country this is a new initiative at the moment it is a model kind of intervention by next year we are going to scale up to cover all the villages the other that had been raised time and again is increase of personal I think this is also the case in Ethiopia and we are working on it the other challenge and this is the communication behavior has changed of the citizens people are using Facebook emails and many others so the later service is declining obviously now the satisfaction of the customer will have to use it again to attract and retain customers so with the use of this tracking mechanism and then tracing these services the quality of service is changing before that the quality of service from the sender point of view was hidden the header doesn't know the quality of service as the recipient did currently because of this tracking mechanism we have applied it and we are using and tracking it from any corner whether it's from Geneva whether it is in local whether it is from ES the sender can track so quality of service is increasing and this will help us retain and attract as I said others to improve sustainability in terms of the perspective of finance diversification of business is one of the strategies that we are following and our postal services are doing non postal services like finance like payment insurance so many others are coming in the list and utility billing is also being handed and taken care of this by post and this will help again in generating more revenue there's diversifying the delivery channel is another intervention that we are trying outsourcing some of the businesses to the third party this mobile posts is also another intervention that we are trying to address so this will help us and again maintaining sustainability use of it actually it is a common denominator in all scores but we are using also it to improve the trust the trust action costs between the sender and recipient and as well to modernize the logistics and security so this will help us certain the other challenge from our perspective and it can also impress others is a limited professionals so to improve the the professional professionalism within the sector we are linking this with the universities with postal union and there are trainings opportunities that we have already benefited out of it with the support of UPU and Papu who are gaining and there are a lot to do by Papu in modernizing the postal service as well so business processor engineering and technology and application are being developed by some experts and we are being shared by Papu and Papu has a lot to play in our region including Ethiopia and we are gaining out of it so I think I just want to end by appreciating the role played by Papu as well and personally I would also like to appreciate the director general ambassador for your support for the UKP as well as to other is a postal union and thank you very much and I also thank all of you for giving the time and as well as the patience during this lunchtime thank you thank you very much thank you thank you very much that was the right honorable dr. de Bretzin Gibri Merkel vice prime minister of communication and information technology from Ethiopia just a short question to the panel and then I will open the discussion we don't have that much time anymore financing we all talked wishing list of the USO how you wish universal service obligation to be how in one or two sentences how do you see the financing of it should that be the government should that be the sector should it be another mean how do you see that Thursday that is one of the main reasons why we have to look more carefully into you universal service obligation because it's becoming costly for something that people doesn't want to the same degree anymore people are using electronic communications while the states I have to pay so far for a traditional way of looking into universal service obligation but the easiest way to do this is paid by the state pay by the state truck I want to do yes please that's that was the signal for you okay then just quickly we have three options open I think that when we did those study at RGP compensation fund benefits and of course of course some threats we have public financing and we have of course self financing it's too early to define what and how because we need firstly to review what will be exactly the USO scope then sorry Mark I cannot give you the final answer about so you don't think in for example in industrialized countries that it could be self financed it can be the gains of the of the designated post it can be but you know we definitely need to review the scope and based on that we have to to decide which is the best way but self financing is one of them of course okay Mr. Yunus Gibrin how do you see things you know to look for the source of financing you have to already see who is the profit it is the universal service made in favor of the citizens of the city of lambda and serving the citizens is an obligation of each government responsible obviously so it comes back to the government based on its economic reality to find the right mechanism this does not mean that it is the public treasury necessarily who pays but the government must find the right mechanism based on the actors present for this financing and there the options even in Africa they vary certain are the operators because the public operator is the one who has the obligation to go to the last kilometer the other operators who are not looking for to do the cremation to do their business in a restricted area are obliged to reverse the advance in a account that allows him to finance the implementation of infrastructure and the adequate execution of universal services there is still in certain countries a form of reserve service also which allows to ensure this financing and a third category concerns countries directly at the level of the state of the public treasury versus a contribution for the financing of this universal service which once again is an obligation of the government and whose operator is a command designed to ensure the mission Mr. Gabriel Michael how do you see that the financing of universal service obligation primarily I would say the postal office has to diversify its products and services so that they can finance their obligations because the second one is as long as there is market inefficiency the government can come to support some financing or expenses as well okay thank you very much I think that gave about the whole possibilities and of course this is matter of discussion also it's matter of how much we want to extend the universal service obligation the more we extend it the more expensive isn't the more we need funding for it so that's of course but that's a very political question now I would like to open the floor to the to the plenary who has a remark I have time for about two remarks or questions even better and please be be short yes that's I can't see yeah yeah and then the one to the left is what's Nigeria it's the same team okay Nigeria sorry I I saw two panels of Nigeria so Nigeria Eastern Nigeria West okay you have to flow thank you Mr. Moderator my question actually is on the definition of postal services one of the panelists has raised an issue of need to redefine or define a clear definition of what postal services means I think that being that the post office works on a three-dimensional basis both physical financial and digital and these definitions were there in the beginning what should the UPU now consider as definition of of postal services because I hear most often when this postal services and digital services or postal services and and financial services are they not now part of the post office thank you that Torstein Olson said how impossible is to give a definition what the universal serves or what the postal services in general is is it possible to do a definition on postal services or is it not anymore possible because we have so much convergence with other other elements like telecommunication like financial services and that's of course important also for the definition then a universal service obligation so is it possible to give a definition of the universal service I start now with a colleague from Ethiopia how do you see that how would you do the definition I don't expect you a clear definition in five words but still how do you see that yeah well after all we have tried to define universal services in our case in terms of say parcel is we say it should be less than 2 kg and later just later so and of course the timeline quality of service has to be also very clear and we have I don't exactly remember but I think we said it should be within a week there should be this later has to be addressed to the destination within the country so these are some of the items that we have identified in the world defined in our universal service in terms of distance with it around five kilometers so quite a clear clear definition on criteria of quality is that you know Steve if I understood if I understood the question of Nigeria it's not the definition of universal service that is looking for but it's the definition of postal service I think that's what in his question the postal service in my opinion refers to this time the dichotomy between existence and essence and in the matter I think that the essence precedes existence the postal service since the night of time exists because it facilitates communication between men communication is not only to share the news of the district of the city but it is also to exchange services and from this point of view this exchange this need to change evolve with technological developments and without diversifying and increasing needs allows us to always adapt the definition to this essence and its content to evolve and from our point of view I agree with the Nigerian colleague so that when we say that the postal network of the three-dimensional upu cannot work on a foot it is three-dimensional there is the electronics the physics and the financial it is an integrated offer it must be understood as being a whole postal service regarding definition I think that we have to take into account what is changing and then we have to make sure that the definition will accommodate with the this changing world and the needed transformation postal services for example regarding logistics and so on and also convergence regarding us so I think that as I said during my presentation we are revisiting a number of dimensions and maybe it might help to also rethink about what might be the postal services definition post time the core definition of postal services I think I gave an overview of that it's possible to define that the core that is the unique thing that postal operators throughout the world are offering today that is the unique one but then the government have to decide what kind of universal service obligations do we need and for sure we need to ensure that citizens are able to communicate whether this is by mail or by electronic communications that has to be decided by the government and further on we need all the each and every government have to ensure or discuss whether they want to have a universal service obligations when it comes to parcels and that is something totally different from communication so you have to split this in communications which can be done by mail or by electronic means and parcels which can only be done by by a fiscal network but that has been done with or by many other operators than the designated our operators so that is a totally different thing thank you now I have I can only give two interventions to place because we should wrap up and finish this session otherwise we have nothing to eat we don't want that because you already had a fantastic engagement this morning the room was always full so I give the floor to Uruguay and then to comore uruguay you have to floor please ask for as short as possible operator is designed as a tool for the economic and social development of the countries another question that is a separation the second is to give my deep desire that Africa achieves all this transformation and hopefully before 62 and thirdly I have a discord series between which the universal service can be self-sustaining it has not happened anywhere unless the services are cut off and employees and closed offices thank you very much thank you that's very interesting and the bridge over to the remarks from the african colleagues now the last intervention I give to comore I'm sorry the lady of Egypt smiles at me but still I have some I have to stop it once you can bring it put it forward in the afternoon my colleague will take it okay yes good so comore where are you minister of Ethiopia communication so we found his very interesting intervention on the plan of the approach of efficient profitability that he presented to the city of an integration of the post of the telecom this historically I'm talking about comore it's rather the telecom that uses the postal network which is a historically established network for selling telecom products and I complicate the approach developed by Ethiopia was the reverse sense it was rather the postal service that used the telecommunication service I would have wanted it to develop a little more and explain how it is happening completely on the market I would thank you thank you very much I give the floor to minister vice prime minister of Ethiopia and then we will end unfortunately you have okay I just want to reflect on both of course the raw guys is just a comment and I think it was compliment if we take the case of Ethiopia one regarding universal services by the way I said two kilo for parcel it is 20 kilo I'm sorry for that we have already standardized the kind of services that should be offered in all villages we have 16 000 villages in our country so the whole intervention of the government is all the villages has to be served by the universal service so this is a decision by the government and that is an intervention from the government well this government is working hard on development so we say this is an instrument to accelerate especially to get out of poverty we are still struggling to get out of poverty and we need and we say this is an instrument for us so there is a constitutional obligation and commitment from the government to serve the people to serve especially the poor and the pros of the poor are in villages regarding the sequencing or the experience mentioned yes in our case telecom went ahead by the way this is also an intervention from the government so the telecom decide the government has decided actually 10 years back to cover all villages by telecom and we say this is a very good instrument again to get out of poverty to spread education to connect people to health doctors and to get market information so this is a line again to get to the whole project supporting people to get out of poverty so telecom came first that was the the thoughts of the government so telecommunication is spread in these village areas now this year actually we added electronic services to it and then posts and this is historically how it was designed postal actually came lately so we preferred to connect the rural population by telecom first than post against his uninitiated by the government I think we were right in terms of sequencing but it could have been even done together this is the reflection I have and thank you so much for your comment and for your identifying actually the reason and your interest also to know why we have done that thank you very much and with this I would like to finish this panel I thank you very much panelists dear gentlemen for for participating and I would like to to wrap up by saying I think just the last panel showed that we talk about a right of communicate that is all that what we said it's a human right and that is of course mean needs a universal service a post universal service a telecom universal service a financial universal service but it mainly needs inclusion it needs access and it needs connectivity it's these three things which unfortunately we've seen the figures this morning are not given in the whole world by far not most parts I must say do not have these three points inclusion access and connectivity of the human right to communicate and I think in all these discussions also e-commerce which is of course a fact whether it's in all in all the countries of this world e-commerce is the future of the postal services of the communication also of the of the businesses but also here we have to have two speeds in one way in the in the industrialized countries and in the merging countries are two different speeds in the industrialized countries we have to bring down obstacles we have to make this trade cheaper and so on all these things customs is a big issue but still though there are big efforts done but of course we also have to see then in Africa in some parts of Asia and South America there are other obstacles to overcome for this right to communicate the infrastructure has to be done electricity it was shown by our African colleagues many countries don't have electricity if you don't have electricity it's difficult to run a post office we have to have for that the infrastructure of the post office of the professional teaching of the people who run this post offices and of course also an address system and for all this it can be overcome also by the use of new technologies like telecommunication mobile telephony more sms and so on this can can be done but with all these things it needs the engagement of the facilitating by the regulated by the government and also of course by the by the upu we must be aware that the postal network that was said in the morning first is the biggest physical network we have almost 700 000 postal offices in some countries it's by far not enough we know that but still this is a big physical network which has to be used but it's it's necessary to have more logistical efficiency that the cost of trading must go down and that we design a regional integration mail and postal services is not a matter of nation to nation we must work regionally and that was as I said this morning impressed when I was on the Ivory Coast in Abidjan or Grand Basin how for example the eastern western African countries work together it's not a matter of Tanzania Ethiopia and Kenya but they work together and that's how it should be that's also what we try here in Europe to do so so this must be the future and the other thing is the red tape we still have much too much stamps and paper and so on we need to use the technology ladies and gentlemen we are not enough that everybody who delivers parcels and so on knows we are going in this direction but we're not far enough we need speedy clearing and we need simplified declarations otherwise we will never get where we want to go Peru was a very interesting example we should take like what they're doing in South America but it was also very interesting to listen to the lady from the Caribbean's from how she shows how important for the people who do agriculture who do small trade how important it is to have post office to be physical able to send off their goods be it nationwide or into another country so opening these things in concrete and practical ways is essential for growth of wealth and for fighting poverty in the whole world and I think that's that's something we should take with us but the colleague from Malaysia gave us an optimistic note he said we are going into a golden area for the postal sector because e-government because e-business e-commerce gives tremendous possibilities tremendous opportunities for the postal services and that's true because the combination internet and physical logistic delivery gives tremendous opportunity and with this positive note of the Malaysian colleague I would like to finish this panel but not not saying we must accept the channels try the challenge the postal operators they must change their mind set the authorities the regulators and the government they have to do big changes to face these these challenges which e-commerce bring to us but this I would like to thank you very much everybody here in the room I'm impressed we're all hungry and thirsty and you're still all here that's that shows that you show a big interest on the topic and I'm looking forward to the discussion in the afternoon which my colleague will will lead and I wish you all the best and thanks again for your engagement and I give now the floor to the right Honorable Minister of Ivory Coast Monsieur Cooney. Thank you. I don't need to come back the e-commerce which are in the center of everything we should do in all our posts in the next few years without any doubt we have noted the very important traffic so at the level of e-commerce noted the improvement of access to the market which is a necessity to allow our populations especially in developing countries to access the possible in the service post we have noted with interest the proposal that was made on the opportunities offered in certain countries to the PME and PME post service I noted what concerns me logistics services access services to the internet which certainly can present an interest in many of our countries the regulatory aspects we all concerned I think we will listen with a lot of interest the exchanges that there was and without any doubt we are all convinced here that a good regulation a good regulation allows to have a postal service which develops better because we have operators who are more dynamic who are secured in their operations and then we have consumers who are protected who feel safe the notion of postal service universal has just been mentioned I don't want to go back as long as there have been some bsb at the level of definition of the definition of this notion of universal service and also at the level of the definition of the postal service itself but I hold on to what concerns me that our network needs to extend our network needs to extend and it is necessary that our states contribute to this extension our networks face the challenges of technological developments and it is difficult that our states do not intervene I also note that our networks and our consumers face the price at the cost of postal services and it may be important here too that our states play the role that may be theirs I noted that there are needs that may be covered by the service of the international service especially the availability of post offices the connectivity it has even been called the electrification electrification of certain post offices so everything that if they are well addressed can perfectly help the development of the postal service in our countries to increase the inclusion and help the vulgarization of the services marca concludes by talking about the right to communicate I think it is indeed a good summary of everything that has been said during this session I would like to present ladies and gentlemen that you give us a few minutes to allow us to give the word because it has been asked in Switzerland I do not see it ok so I give you the word to address you at the assembly thank you Mr. the president you are at the heart of communication and information that is why in full confidence I would like to share with you a confidential information that came to me a few minutes ago according to which the next point during the day should be of gastronomic nature I know how difficult it is to listen to the stomach empty that's why I took the strategic decision to reduce my intervention to a small hour Mr. the president ladies and gentlemen the ministers ladies and gentlemen the high representative mr. the general director ladies and gentlemen the representatives of the universal postal union ladies and gentlemen it is a great honor for me to be able to address you in the name of the swiss government and as a representative of the state of the universal postal union on the occasion of the sixth world strategic conference of the universal postal union after the one of bern from 1992 je neve in 1997 je neve in 2002 dubai in 2006 and Nairobi in 2010 the strong participation in this demonstration fully rejoins us and the best is the best my brief intervention will be articulated around four elements the swiss state haute the swiss solidarity the swiss candidate and the swiss partner of the reforms the swiss state haute as a state haute of the universal postal union the swiss is happy to be able once again to provide the conditions the conditions of the dialogue by the disposition of this international center of je neve conferences far from your usual bases not very far it is true that they are bernois these infrastructures are not foreign to you since the universal postal union has been here even in 2008 under the presidency of your current general director that I greet as for many other international organizations who have their seats in swiss we are always ready to facilitate meetings and exchanges of experience in quality of countries of many international organizations we are more sensitive to the synergy that it can establish and this will be more and more the case in terms of numeric in this perspective we would always be ready to play the role of facilitator the swiss solidarity as we had done for our friends from kenya in 2008 we do it for our friends from the Ivory Coast today we are all Ivory we know that they have been the circumstances that have led to relocate the place of this conference this epidemic of the bolas that has all moved us has not spared a certain number of countries of the sub-region in the Ivory Coast fortunately no case is to be deplored we are in thought and in solidarity with all the affected countries that the Ivory authorities are to be thanked here fortunately for all the efforts that they had already focused on in the perspective of its development to abidjan the swiss candidate the swiss is committed she wishes that the initiatives will continue our role and our involvement in the universal postal union since its creation 141 years ago are known and we call on continuity it is in this spirit that the swiss government will ask you to renew your support to your general vice director within the international office pascal cliva during the next universal postal union in istanbul in 2016 we are convinced that it will continue if the re-elect the magnificent work he has already accomplished with skills and enthusiasm that is not diplomatic because i have the privilege and honor to count among his friends and i can assure you that for once what we are asking to read a diplomat is the pure truth additional waste of our commitment in lupus the decision of my country to be a candidate for a seat at the next administration council our wish is to fully participate in the many challenges that await the universal postal union these next years and bring our experience for the relever the swiss is being present very actively within the bodies of the union during the next cycle finally the swiss partner of the reforms this strategic conference reveals a particular importance because it allows for two days at the different intervening panels and participants to bring their intellectual contribution to the strategy of the universal postal union indeed these contributions will serve basic elements to elaborate the great future lines of lupus its leaflet during the next congress in istanbul the swiss government pleads for an universal postal union open effective and at the service of everyone a lupus that brings solutions to added value in a world full of upside down comme vous l'avez rappelé hier le directeur général et comme nous le constatons à travers les débats de ces deux jours le rythme des réformes doit encore s'accélérer pour que l'organisation soit au rendez-vous de 2020 les 141 les 141 ans de lupus sont un succès pour le secteur postal qu'elle a réussi à mettre sur orbite et a développé dans une belle continuité et une garantie incontestable pour l'avenir l'union postal universelle est devenu un modèle de coopération internationale longue vie donc à la deuxième plus ancienne agence de la famille onusienne poursuivons ensemble avec elle nos grands projets que nous sommes en train de dessiner ici à genève vous pouvez compter sur le soutien du gouvernement suisse bonne continuation plutôt bonne fin de conférence et merci à tous et bon appétit merci beaucoup madame monsieur cher délégué je voudrais en votre nom à tous remercier le secrétaire d'état qui vient d'intervenir au nom de la suisse et je voudrais remercier vous remercier monsieur pour les mots très aimables prononcés concernant la Côte d'Ivoire mais vous remercier surtout d'avoir abrité cette conférence d'habitants ici même à genève et d'avoir mis à notre disposition toutes toutes ces commodités qui ont permis je pense le succès jusqu'à maintenant de cette conférence votre message a été certainement très bien entendu je vais passer la parole à quelques personnes dans la salle qui souhaitent intervenir relativement à ce message en ce qui me concerne je retiens la partie la suisse candidate et je dois dire tout de suite mon sentiment et mon support évidemment à la candidature suisse qui est proposée en même temps que je dis publiquement mon support au travail remarquable qui est fait par les directeurs général et toute son équipe donc je passe la parole à la salle et à tous ceux qui voudraient intervenir oui allez-y monsieur nous merci excellence monsieur le ministre de me donner cette opportunité pendant cette heure si tardive de dire quelques mois suite à cette excellente annonce que en quatre axes que la suisse vient de nous donner évidemment on disait ventre affamé na point d'oreille mais c'est là nous donne davantage plus d'appétit parce qu'ils viennent de nous annoncer que l'équipe qui a gagné va continuer à assumer parce que traditionnellement on dit qu'on ne change pas une équipe qui gagne et du côté africain nous sommes je voudrais au niveau de la communauté postale africaine avec la permission de mon président la conférence de plein potentiel qui est là que l'afrique a été pleinement satisfaite depuis les deux ans et demi de cette équipe de ce ticket gagnant qui faut-il rappeler était un ticket africain il était peut-être suisse mais c'était le pascal cliva et buchard et c'est était nos candidats ils ont gagné au la main et nous ne sommes pas dessus du résultat qu'ils ont fourni dont nous espérons qu'ensemble ils feront encore du chemin au grand bonheur de nos postes parce que pendant leur mandat plus que jamais par le passé la coopération avec l'union pan africain de postes au profit de ces dames ces états membres a été intensifié et nous souhaitons sa continuation et promettons d'être d'être déjà de continuer dans ce sens pour les soutenir merci encore je vais demander aux prochains intervenants d'être plus bref dans la mesure du possible je passe la parole à l'egypte je parle en arabe merci je ne suis pas sûr que nous ayons compris madame ce que vous avez dit parce que je crois que la traduction n'a pas marché mais bon nous reviendrons peut-être à vous tout à l'heure si d'aventure la traduction marché je passe la parole à l'iraq je crois allez-y oui iraq à l'aluminium a tarjoua mutaha amla ayvan naan nashkor je pense que la la traduction arabe ne marche pas nous allons passer la parole à d'autres langues reviendrons à vous dès que possible dès que la traduction arabe marchera s'il vous plaît je vous remercie et guébuti si vous parlez en anglais ou en français par exemple oui bonjour en fait c'était juste pour laisser ma place à l'egypte parce qu'elle est francophone elle pourra poser sa question en français merci i can speak in english no problem yeah okay no problem english french no problem on behalf of the egyptian government i wish to thank mr bashar hasen the general director and his deputy mr pascal clivas for the effort they spent during the last two years i strongly believe that they spare no effort to fulfill their commitments and to provide support to all the country and i wish to continue the fruitful operation with the upu and thank you very much we also support the the continuation of both secretary general in the deputy secretary general because they have shown outstanding performance during their stay for the last two and a half years thank you senegal so i would like to thank you so i would like to take the floor to simply say that senegal appreciates the work that is being carried out by the general director mr bichard isan and the general director mr pascal clivas the work of transformation of the upu and the transformation of the post we estimate that this work must continue and that a winning team must be carried out so senegal assumes that mr bichard isan and mr pascal clivas the director general must be carried out for the next cycle i would like to thank you well i see a lot of other hands raised but i imagine that the comments will go in the same direction i would like to thank you all in your name mr the secretary of state and so congratulations to the team who is today leads the upu for remarkable work what she does and also congratulations for the support that most of the delegates here come from him to bring him so thank you and i would like to present someone said earlier that we had other priorities the next priority is obviously the questions that linear or gastronomic it doesn't matter i will therefore invite you to the lunch that is offered by the divorce court at the exterior of these places thank you and bon appetit return earlier at 2 o'clock return at 2 o'clock resume work at 14 o'clock thank you stage so we can slowly start and have everybody seated so we can go on this afternoon with the different panels so one is here so namely i would like mr ambassadors swing to maybe come here nice meeting you well nice meeting you now it's meeting you cheers hello thank you it's on just that yes hello absolutely mr minister hello it's going very well and you too otherwise we will never get there i think so i leave you madame monsieur we are going to start i hope that you enjoyed your breakfast it was reported to me that some delegation leaders still wanted to intervene regarding the Swiss delegation earlier what i propose is that we do it at the end of the science content of the delay that we are already accusing we are now going to start the third science that is used to bring innovative solutions integrated and inclusive the science of this afternoon will be devoted to the challenge in terms of economic and social development to which we will have to face the members of the ipu the access will be put on the essential role that can be played by the government to ensure that the post that the post can bring innovative solutions integrated and inclusive in order to respond to the needs of their clients and the needs of the other prominent parties that are often neglected but who are only the actors of the sector and the states the role of the post sector as a motor of economic growth and reduction of poverty these assets as a vector of social and financial inclusion and as a social service provider will also be mentioned the intervenants will examine how the government has committed more strongly towards the post sector and will see how to attract more investment in the post sector finally i think it will be possible to see eventually how to reconcile the imperatives of profitability with this linked to sustainable development these two problems that are often put hand in hand and not together this workshop will be animated by mr siruti siruti who is journalist and correspondent of tv five world in swiss siruti i will pass the word to introduce and animate this panel thank you very much thank you mr president thank you thank you thank you mr president so i propose that we move out quickly because as you have noticed obviously we took it late this morning and then it is difficult to leave a short meal because you don't just have to feed the mind which was the case this morning you also have to eat your stomach so this afternoon we talked about financial inclusion and post financial services which represent both challenges and opportunities after the banks the posts and their large financial agencies are the world's actors who contribute the most strongly you know it better than me to the financial inclusion and the question that is often asked is to know how they can do even more even better and for the largest number a billion people already benefit from financial services for their transactions thanks to a post that manages more than a billion five hundred million accounts post savings and two deposits are the figures obviously that would not read in wine any traditional bank nothing that we have in 2012 well 30 million new accounts post and savings have been opened and the money delivery is the entry door for the people without banking relations in the most formal and traditional financial system at the global level the repatriation of money made by migrants by the formal channels is raised to more than 400 billion of american dollars in 2013 an extremely significant sum and the intervening this afternoon well of this panel will address the question of the challenges the post sector will have to face and the opportunities that it will be able to take advantage of by exploiting precisely the potential of financial services and post we will also examine together the role that the posts can play with the full support of their government I think it's an absolutely essential point in any case for me who comes from the outside and who has been listening to you for two days now as well as international organizations in order to increase financial inclusion in general our first speaker to start this afternoon will be ambassador william lacy swing is the director general for the international organization for migration is currently serving his second five-year term just to remind you the organization for migration is a 1.7 billion budget organization and which has about eight five eight thousand five hundred staff all around the world and prior to this ambassador swing had successfully led the largest UN peacekeeping operation as a UN special representative of the secretary general for the democratic republic of Congo and before that he did the same but in western sahara is also had a long diplomatic career the u.s. department of state state and was a sixth on ambassador ambassador swing please the floor is yours thank you thank you very much a good afternoon it's a real honor and pleasure to be with you today to take part in this world strategy conference especially since iom is a partner with upu and the barundi post and a joint project that we think is very exciting on migration and development with the focus on lowering the cost of sending money home migration is a mega trend of our century there are more people on the move today than at any other time in recorded history this is likely to remain a mega trend for most of the century because of the driving forces for one thing demography um numerically there are more people on the move because the world's population quadrupled in the last century for the first time in recorded history unfortunately much of the mass migration is forced migration more than 50 million persons displaced today the largest number since the second world war as we speak our organization has a flight leaving today from sana in yemen to take out the first of 16 000 third country nationals that 38 governments have asked us to bring to safety um the other driving forces of course are the digital revolution three billion people today connected to the internet compared to 300 million in the year 2000 the distance shrinking technology budget travel climate change environmental degradation labor demand all of these are driving forces that mean that now one in seven persons is a migrant about 250 million of them crossing borders and three quarters of a billion moving within their own country china alone has more domestic migrants than there are international migrants so it gives you some idea of the dynamic we're talking about here if all these migrants crossing borders were to form a country they would be the sixth largest country in the world slightly larger than brazil slightly smaller than indonesia and as moderators just said sending home more than 400 billion dollars a year a total that's supposed to rise next year to much more than 500 or nearly 582 billion so migration cannot be ignored and that's why more and more governments have it as a priority so i want to make three points the first one i've begun to make already which is the remittance impact i don't know why we should have a global debate now on migration and development as to whether migration contributes to development of course it does my own country is was built on the backs of migrants is still being built today on their backs rather than what seems to be the mood today of anti-migrant sentiment driven by a lot of other forces foreign direct investment and economic aid are much smaller than the totality of remittances sent home the number would be much higher if it included informal remittances which people bring back home in their pockets when they return they're also about the well-being of our families migrants families benefit because it covers the expenses on food health and education it helps alleviate poverty and it provides a better standard of living these development outcomes can be maximized through programs that aim to increase financial literacy and i really commend the upu for its efforts and my good friend director general hussein is very committed in this regard and we're grateful for that and want to be part of it on the macro level migrants remittances are stimulating economic growth they are a source of microfinance that stimulates innovation it creates jobs and adds to countries credit ratings so all of this is in is in the mix and during the recent crisis such as the 2008 2009 worldwide economic downturn remittances proved to be remarkably resilient in fact in major migrant countries such as the philippines and bangladesh migrant remittances actually increased in this period because migrants recognized their families needed more help than in more normal times so we believe that my thesis is of iom that migration large-scale migration is inevitable because of the forces i mentioned at the beginning it is necessary if jobs are to be filled skills to be available and economies to flourish and it is highly desirable if we have the right policies which means helping to reduce the cost of transfer which is my second point the cost of transferring money home now is exorbitant it is too high according to the world bank migrants sent 60 billion dollars back to africa in 2012 but they were overcharged four billion dollars by money transfer companies which averaged 12.4 percent in finance charges this is unfair migrants work hard they're highly motivated they contribute but to have to pay 12.4 percent to get their money home is something that needs to be addressed and director general hussain and i and our organizations are doing that right now and i'll come to that project that's my third point in barundi where we're collaborating in this joint project the diaspora sends home 50 million u.s. dollars a year of which more than 10 percent is lost in remittance transfers if you say the figure is 450 billion dollars a year and you're paying 10 percent or above that means you're losing between 40 and 50 billion dollars which should be putting children in school putting bread on the table and taking care of the sick and elderly there's a great need now for a focus on lowering these remittance costs there are many obstacles the g8 in 2009 made a commitment to reduce remittance costs by five percent this has not been achieved because the obstacles and the barriers are many restrictive regulatory framework a lack of low cost and reliable money transfer operations and so forth but we aim to do something about it money has been diverted for various fees and costs that are assessed by the money transfer companies so my third point is to say let's support the upu iom joint project we've gotten some support from governments but we need more and we will be making an appeal as i appeal to you now to think seriously about supporting this because we have many countries both in africa and other parts of the global south waiting to see the success of the barundi project because they'd like to have the same project where they are we want to lower these costs and improve the contribution therefore of migration to development we're launching a joint initiative the first pilot as i mentioned in partnership with our good friend director general salvatore and ziggy yamana who's with us on the panel today and we hope that this will make international funds transfers possible through existing postal networks i think you have probably at least 600 of these transfer points around the world and that would aid us enormously barundi is affected by a range of issues first of all they have prohibitive remittance costs that i mentioned at least 10 percent more than twice the international target of five percent set by the g8 in 2009 they have widespread financial exclusion in rural areas especially from savings investment insurance and credit services and there is a lack of economic opportunity for businesses due to difficulties encountered in us in accessing international markets so the upu and iom we're leveraging the multifaceted strengths of our respective organizations and the postal network in barundi to implement a project that will reduce the cost of migration remittances we emphasize this is only a pilot if it is successful we will be going globally with this project it is the cost of remittances that need to be managed and made affordable and then we will replicate these efforts in other countries and i'm so pleased to be with you i want to leave with you a swahili proverb because we're talking about barundi kirima ya kirima ayi kutanake la kini watu wanakutanaka that means simply it's my very poor swahili i apologize it means simply that mountains can't meet but people can and i'm so honored to be with you thank you thank you very much it was brilliant thank you very much well thank you very much ambassador swing so are we pleased to be with you and to have your expertise with us this afternoon of course bien nous allons maintenant inviter le directeur général de la régime nationale des postes du barundi ms salvatore nizi li mana j'espère que je l'ai prononcé juste avant ça il a occupé de nombreuses responsabilités tant dans le secteur public que privé en lien avec la poste et les communications il a notamment été directeur général de l'agence de régulation et de contrôle des télécommunications du barundi et président de liens call list african communication organization j'imagine que vous allez également nous parler de ce projet que vient de nous dépendre on parti l'ambassadeur swing merci oui messieurs les ministres monsieur l'ambassadeur sain bichard monsieur l'ambassadeur swing cher collègue distingué délégué mesdames messieurs c'est en réel plaisir et au-delà en grande honneur de me retrouver à côté de ses éminentes personnalités pour partager un peu de l'expérience du barundi dans le domaine des services financiers et de l'inclusion financière qui me soit permis de vous exprimer ma grande reconnaissance en sola et je saurais très humble dans ma présentation puisque monsieur l'ambassadeur swing vient de donner l'essentiel mais il a donné le temps il a tracé la route je vais contribuer à vous présenter dans les détails le projet qui nous occupe avec l'organisation qu'il dirige et l'union poste anniversaire à laquelle nous appartenons permettez-moi aussi de vous transmettre les chaleureuses salutations de la famille poste du barundi avant d'aborder le sujet je vais vous pour l'intérêt du temps je vais vous entretenir sur cinq points très brièvement d'abord on a perçu et en contexte général du barundi en pays d'une petite superficie d'au moins de 28 000 km2 qui appartient à deux communautés de l'afrique de l'afrique centrale et l'afrique de l'est en pays à 10 millions d'habitants en pays essentiellement rural en seul habitant peut prétendre habiter dans les villes c'est-à-dire que l'auto d'obanisation est très faible en pays dont l'auto d'obancarisation est encore très faible et estimé selon les derniers études à 12,5% en pays où la démographie est importante avec un ton de croissance de 2,8% en pays où les points de services financiers sont très peu élevés on n'a que 10 banques dans l'ensemble et dans tous les pays et la cartographie de ces banques se limite dans les villes où les agglomérations urbaines en pays où l'auto de pauvreté est assez élevée et l'obondé est reporté parmi les six derniers pays sur la liste pays riches pour dire que et ça c'est selon le rapport du tenu de 2014. Au regard de ce panorama, le gouvernement en deuxième point a commis ou a identifié la poste parmi ces piliers d'inclusion financiers et de réduction contre la pauvreté. Des preuves à cela sont manifeste et d'abord en transformant le cadre légal de la poste en lui d'autant d'un statut d'une régie avec autonomie opérationnelle autonomie financier depuis 1991 et avec une modification en décret qui a apporté modifications du décret 1991 qui lui accorde davantage au-delà de son statut d'opérateur postale désigné qui lui apporte un mandat particulier d'être l'opilié d'offre de services de proximité des services financiers aux populations rurales et aux populations des zones éloignées généralement exclues du système bancaire classique. Une autre preuve à cela au niveau de la volonté du gouvernement, la volonté politique je veux dire, c'est que le cadre stratégique de croissance et de lutte contre la pauvreté qui est un instrument de politique du gouvernement du Burundi mentionne la régime nationale des postes comme l'opilié centrale de l'inclusion financière et surtout de la mise en œuvre de l'accès de ce cadre stratégique en rapport avec la croissance économique et la transformation de l'économie pour une écroissance soutenue et créatrice d'emploi. Une autre preuve à cela c'est que le gouvernement a confié à la régime nationale des postes la paix des salaires de tous les fonctionnaires de la police, la paix des pensions de retraite, la paix des frais d'assistance pour la protection sociale des familles et ménages vulnérables. Et en même temps, dans le programme national de subvention des engrais au Burundi, la poste a été identifiée par le gouvernement pour la distribution des fertilisants et des entrants agricoles. Et c'est à travers les postes que les fermiers, les agriculteurs, je parlais, je disais que l'économie bondaise est essentiellement basée sur l'agriculture, c'est à travers les bureaux d'oppostes que les agriculteurs et paysans accèdent aux entrants agricoles et aux engrais. Je voudrais aussi mentionner un autre aspect important en rapport avec la part ou la place des services financiers dans le développement de la poste du Burundi. Je veux dire l'ensemble des opérations des recettes que la poste, de l'ensemble des opérations et recettes que la poste réalise, les services financiers emportent 75% de l'ensemble, c'est-à-dire les comptes chez poste et la poste finance et aussi contribuent à plus de 75% dans les recettes, dans l'autornava, dans le chiffre d'affaires de la poste du Burundi, pendant que les services poste et autres services associés contribuent à moins de 25%. Ce qui veut dire que le service poste, plutôt les services financiers sont en axe une ligne de production importante pour la poste du Burundi et je pense pour pas mal d'autres postes. Je voudrais m'en aller au niveau de la présentation dans les détails du projet que l'ambassadeur Swing vient de vous parler et j'ai deux slides que je voudrais et qu'on vous montre. C'est un projet tripartite qui entraîne les trois organisations, les deux organisations du système des nations unis, l'OEM, l'UPU et la régime nationale des postes que je représente et de la volonté de la vision de l'UPU en rapport avec l'innovation vous allez le découvrir, en rapport avec l'intégration vous allez aussi le découvrir mais aussi en rapport avec l'inclusion vous allez le découvrir avec moi. C'est un projet qui a cinq composantes en un seul, qui vise la réduction des coûts de transfer d'argent, qui vise l'éducation financier, qui vise l'inclusion financier, qui vise l'accès au marché d'exportation et qui vise la facilitation des communications. On va vous montrer un diagramme qui, un seul diagramme qui vous montrera ce que représente son projet. C'est un projet centré sur l'apport d'émigration dans le développement et c'est pourquoi d'ailleurs mon grand frère et chère ami, ambassadeur swing, vient de vous entretenir à ce sujet. C'est un projet qui vise, comme je le disais, la réduction des coûts de transfer d'argent. Au Burundi, les taux de transfer d'argent varient entre 10 et 12% et nous allons à travers ce projet trouver de nouveaux canaux et de nouveaux corridors de transfer de fonds de manière à réduire ces taux et ces coûts de transfer. C'est un projet qui va accorder ou contribuer à l'éducation financier des migrants et de leurs familles dans le cadre de l'inclusion financier. Un exemple simple, un migrant, d'entre nous ici, beaucoup ont été des migrants, d'entre nous beaucoup sont des migrants. Pour l'un ou l'autre qui a un membre de la famille à qui il voudrait transférer de l'argent, vous transférer, vous leur transverez de l'argent pour un seul besoin ponctuel. Pourquoi pas ne pas envisager de transférer de l'argent sur en compte de votre membre de la famille, de telle manière à permettre à banqueriser les zones et les milieux ruraux, à banquer les membres de vos familles. C'est un aspect qui sera abordé dans le projet. C'est un projet, comme je le disais, qui va renforcer, influencer l'inclusion financier. Je n'insiste pas là-dessus, mais c'est un projet aussi qui va faciliter l'exportation, qui va faciliter l'accès aux petits producteurs ou producteurs locaux à l'accès au marché international. Nous sommes membres des diasporas, nous sommes membres des communautés des migrants, mais nous sommes toujours liés avec la terre qui nous a vu naître. Nous avons toujours besoin, nous avons toujours des besoins ethniques et des besoins nostalgiques. Les producteurs locaux pourront attraver ce projet, nous envoyer les produits ethniques et les produits nostalgiques de nos besoins, et le projet va adresser ces soucis. Avant de terminer, je voudrais aussi insister sur cela. Cela va redonner de la vie aux postes. Cela va donner de l'activité aux postes. Les colis, c'est notre métier. Les paquets, c'est notre métier. La logistique postale, c'est notre métier. J'imagine que tout le monde ici présent le comprend. Et enfin, le projet contribuera à l'amélioration de la communication entre les migrants et leurs familles. Dans mon pays, par exemple, où l'auto-dopénétration de la téléphonie mobile n'excede pas 25%. Vous comprenez que les populations rurales non seulement ne sont pas financiellement exclues, mais sont aussi exclues au niveau de la communication. Et il y a des difficultés de communication entre les migrants et les membres de la diaspora bourrondaises à travers le monde avec les membres de leur famille. Nous pensons que la solution de création d'un mvno postal en mobile network virtual operator pour les postes serait une solution et nous envisageons cela sur laquelle, c'était plateforme sur laquelle nous allons mettre une application de transfer d'argent pour permettre, à même temps, de faciliter de communication, mais aussi d'ouvrir un corridor de transfer d'argent. Avant de terminer, j'aimerais vous indiquer aussi une opportunité que la poste en tant que opérateur pour la régime nationale des postes a pour améliorer ou tout au moins pallier aux défaillances du marché de transfer d'argent ou même du marché financier au Burundi. Le réseau postal du Burundi est le réseau le plus étendu de tous les réseaux, au moins du réseau bancaire. Nous sommes pratiquement dans tous les communes le Burundi en A129 dans l'ensemble, mais nous avons des bureaux au-delà de 140 bureaux et dans chaque commune, nous avons au moins une présence. Ainsi, cette présence physique nous donne un avantage par rapport aux autres. D'abord, parce que nous sommes en agent ou en réseau de proximité. D'une part, mais d'autre part, nous avons en capitale confiance le plus grand qu'il soit. Et parce que nous payons, nous payons les salaires, nous payons les pensions. Nous, et à travers les bureaux d'oppostes, nous offrons des engrais, des fertilisants. Tout le monde jusqu'à la vieille maman connaît la poste et lui donne confiance. Nous payons l'assistance sociale, mais au-delà de cette confiance, au-delà de ce qui est basé sur les services que nous offrons, mais beaucoup plus, nous sommes en agent public. Le cachet public, comme institution du gouvernement, nous donne une grande confiance parce que les autres microfinances privées ont eu des bas et des hauts, mais la confiance est basée. En conclusion, puisque nous sommes à la conférence stratégique de l'U.P.U. La poste aujourd'hui est un agent pour beaucoup d'acteurs, notamment le service financier mobile. Les opérateurs de téléphonie mobile nous donnent les contrats d'agents. Mais pourquoi ne pas penser un jour que la poste puisse elle-même mettre en place un service de transfer d'argent par le mobile? Elle-même. Des plateformes existent. La poste bourrondaises irurgale est de près. Je vous lance son défi. Nous allons en discuter, mais comme il s'agit de notre stratégie, il faut penser dans le sens de l'initiative de l'U.N.C.D.F. du Mobile Manifopoie. Et on ne saurait l'offrir qu'à travers un opérateur de transfer d'argent mobile postale. Je vous remercie. Merci donc au directeur général de la Régie Nationale des Postes. D'où on dit Monsieur Nizidini Mana. Et je pense que nous allons effectivement parler confiance. I think we're going to be talking about trust this afternoon. Our next speaker comes from Hungary. His name is Chaba Polisak. He's the Deputy State Secretary in State Secretary for National Finance Services and Postal Affairs by the Hungarian Prime Minister's Office. What's interesting is got both a private and public experience, has been head of corporate portfolio of the Hungarian state holding company since June 2010. And before that he worked for Deloitte et Touche, Credit Anstalt, Credit Group and CIB Security. He's been involved in numerous merger and acquisition, privatizations and capital market transactions. A finance professional, so I said with political experience. Let's welcome him. Good afternoon everybody. I would like to introduce very briefly the position of the post and Hungary. Hungary is a small country in Central Europe. We have 10 million people, 10 million citizens and every fifth citizen lives in the capital city of Budapest. Hungary and Puszt, Magyar Puszt is one of the largest companies in the country. We have 2,700 post offices, 30,000 employees, over 800 million dollars of revenues in 2014. And we do not have banking network. We do not have banking license. We do not have a banking subsidiary either. Now I'm not going to talk about the traditional mail services. I'm not going to talk about parcel and logistic services either. However, I would like to just note that we are the largest logistics company in the country in the e-commerce related transportation services. We have over 30% market share. What I'm going to outline here in the presentation would be the financial services that we provide, especially for people who have limited access to financial services because they live in smaller villages or they do not have access to modern technologies. On the other hand, I would also outline how we address those people who do have access to modern technologies, but who would like to use our services. First, I would like to talk about payment-related services that we provide. One of them are the bill payments, which we call yellow checks. These are special bill payment notes that are used by utility companies, by tax authorities, and numerous other issuers. We would like to talk about the disbursements note that we use. It's a kind of domestic money transfer. We also provide payment-related services for pension disbursement. There are a large number of pensioners who do not have bank accounts or who are not familiar with modern banking services, and the postman goes out and pays the monthly pensions. The number of pension disbursements is decreasing, but still we have about 15 million disbursements a year, and we perform Western Union transfers as well. Now, this yellow check, this is how they look like in the old form. They had a control slip, and a utility company was attaching it to the utility bill, and the customers went to the post office, paid it. They got a stamp on that. They got a control slip, and the post was doing the settlement. Now, what we have in the first of January, we introduced QR codes on each and every yellow checks. Before that, we started it a year and a half ago, and it was introduced to only a limited number of issuers. This is basically, we have to solve the situation that we need to provide the traditional services of people who want to use cash-based services, but since we got a commission for that, we would not like to lose this business, but we would like to address the people who would like to use modern technology, modern banking technologies, because our biggest competitor in this segment are direct debits by the banks. Obviously, the banks are urging the customers of the utility companies to allow direct debits for them, because they got the transfer and they got the funds, while what we are interested in is to keep those funds, and because we do the settlement with the issuers, and it provides a huge liquidity to the post. So for what we did with the use of QR codes, we have a new application for smartphones available in the iTunes store, also in Google Play, and also for Windows phones. So when you download this application, you need to give the bank account. You can designate several bank accounts and decide to determine a PIN code, and then when you launch it, that's what you see. You have the options to scan the invoice. There are invoices put on hold, invoices that are paid, and the various settings and help functions. If you decide to scan it, then it scans and it gives you the information of the issuer, the due date of the invoice, and the amount, and you can decide whether to pay immediately or pay later. If it's paid later, then it goes to the items on hold. If you decide to pay, then it just a few clicks of the PIN code, and then successful payment, and there it is. It accounts for as a transaction with a bank card, so this is absolutely free for the users. In addition to that, we also have check, these white, yellow check teller machines. For example, my mother is never going to use internet banking, and she's not going to use mobile banking either. She doesn't have a smartphone. It's just too complicated for her, but she may not want to go to the post office and queue up and pay in cash, but we have this check paying teller machines that she can go there, or elderly people can go there, or people who do not have mobile internet can go there, just put in the check, optical reading, reads the characters, and you can pay it immediately with your bank card, like with a very simple transaction. In addition to that, we have the traditional electronic bill presentation and payment system, so if you register with our EPP system, then you get the bills electronically, and you can pay it with a bank card. Now, the disbursement note is something also an old-fashioned instrument, but still used, obviously less and less extent, but it is used to pay various social subsidies for people who do not have bank accounts, or it was also used in emergency situations. It happened just over the past few years that some savings and loan institutions went to bankruptcy, and we got the funds from the deposit insurance fund, from the central deposit insurance fund, and we were paying the individuals. We are not talking about big amounts. We are talking about a couple of thousand dollars that were paid per person, and then they got it in cash, and they could open up an account wherever they wanted to. Also, when the subsidiary of Banco Popolare Italia decided to leave the country and wind up the operations, we paid the smaller millions on their behalf. We are also active in other financial services, and I have to address that what we provide are financial services, basic financial services, mass services, but with our network of 2700 postal outlets, we can access a large segment of the population. We have bank accounts with debit card. It's a white-label product with our strategic commercial banking partner, so they can open up a bank account at the post, and they got a maestro debit card, and they can use their account, and to them it doesn't make a difference whether we have our own current account system or as a white-label product, we are provided by professional partner. Also, we are selling deposits. It's a white-label product specifically developed for us by a commercial banking partner, and we are selling insurance products as well, life and non-life insurance products. We have subsidiary, which is jointly owned by a German strategic partner, we have a one-third share in post-insurance companies, and there's a mutual exclusivity. They are not selling their products elsewhere other than the post, and we are not selling other insurance products than post-insurance companies. We also provide investment services to our customers. We have a 50-50 joint venture with our strategic banking partner, and we are selling investment funds, again, basic mass products, so we have a money market fund, and we have a real estate fund, and we are selling government securities. We are probably the largest distributors of government securities, the retail sector. We are selling physical securities, because still there is a demand for physical securities, but also our customers can open up securities accounts, and they can get dematerialized government securities, and we also offer other financial products, so we are aid for two building societies, and the customers can sign contracts with us and pay the monthly installments in our post offices, so we provide services even in small villages or smaller towns, and we have our loyalty cards that are available to our clients, and the points can be redeemed in post offices. As I've shown previously with the bill payment product we are having, we have a very close link to the utility sector, and with this we'd like to use the entire value chain, and because of that, two years ago we acquired a company which was the largest service provider for utilities in the Budapest region, and based on the know-how, the technology, and the contacts, now we are rolling out this practice nationwide. What we can do, and we will do, our postman, our colleagues in the post can go and read the meters, the utility meters, after that the system of the IT system of the post can generate the invoice from the metadata received from the utility companies, we can print the invoices, we have the largest document printing capacities in the country, and also one of the largest one in the Central European region, and we deliver the invoices, and we collect the invoices, and in addition we provide customer service points to the utility companies, on behalf of the utility companies. Thank you for your attention. Thank you. Well thank you. Mr. Chobhapolishev, that was a good example of a lot of partnerships between companies and the post. Thank you very much. Mr. Minister, Mr. Connais, Mr. General Director, Mr. General Director of the UPU, Mr. Ministers, Mr. Ambassadors, President, General Director, Delegates, dear friends. Yesterday my President said how much he was recognizing the co-divorcy of the organization of this meeting, I would say not better than him, he is also the President of the Postal Bank, I would add a few words personally to those who have heard me several times intervene in Bern to say how much it was necessary to think about the good of people as a place of the conference, except the sadness that I had when I learned that we would have to give up, but it may only be to start again. And I wish. I came this afternoon rather to testify in front of you an example of the Postal Bank, there are others, it is not to give lessons, but simply to say where we are today and to understand it, I think that we have to make a little bit of history. So obviously we will not go back to the age of Pierre, but simply remind us that the French Postal Bank has been transferring money from Bordeaux-Mestique since the 19th century, when 1880 created a Postal Bank case and that after the First World War, the Postal Bank accounts, the CCP, started little by little to make financial inclusion, to bring people who were not especially rich to take post accounts, bank accounts and to use them. And then in the 60s, 70s in France, banks discovered the activity of network banks, began to develop during the 20th century, so that the population itself became more urban. And after a while, the question of knowing if the post still had an future in the banking domain, if it had to pursue its activity. To do so, it was absolutely necessary that it adapt, and it needed a complete offer. But to have another complete offer, it was necessary that it be a bank account, to be able to show that there was no cross-subvention between our current activity, which was still under monopoly, and the banking activity. And that's why we have advanced. But we have put a lot of time, we have put a lot of time to get there. Why? First, because banks have made a lobbying to do it, to prevent us from becoming a bank. For the anecdote, the best way, I can characterize the difficulty of this lobbying. In 1994, I had the opportunity to have lunch, we were three, with the most powerful president of the BNP, the National Bank of Paris, BNP Paribas, which many of you may know. Mr. Pébro, a very, very powerful man in the French banking establishment. And Mr. Pébro told us, me alive, there will be no post bank in France. So, I assure you, there is a post bank in France, and Mr. Pébro, you know him well, Mr. Céreti, is still alive, and I hope so, but he had a bad time. He also had to convince the government and the parliaments. Why did they follow us? Well, because they wanted, that they remain in France, a network of important post offices. And each one knows that with the only activity of courier and colleague, we do not maintain a network of post offices of 17,000 points, as is the case in France by law. And then, whether we want it or not, the reasonable, serious people know that a part of the population is not reached by the traditional banking system, and that it takes a particular operator to do it. I was particularly surprised by the numbers that were given yesterday by our Brazilian friends, which are really quite remarkable. Or by the success of the Kiwi Bank in New Zealand, which first closed its activities, recreated them, and we can see that even in a very banked system, there is still room for post offices operators. And then it was also a difficult choice, because I am sorry, I have a lot of admiration for the FMI and the World Bank, but these two institutions, like others, have explained to the government for a long time that it was not good for the posts to be made by the bank, and even stopped the financial services activities of the banks, which today are in very difficult situations. So in 2006, we created our bank, on January 1, 2006, which was created by the law, by an amendment to the Senate, that is to say that all of a sudden, the Loan project was not made for that, it was made to transpose a European directive, and by amendment, very long amendment, we created the Postal Bank in France. So it is now the bank of all, it is there to accompany, of course, the weakest, but we also insist on the fact that it should really be the bank of all, that is to say also a patrimonial bank for those who have money, and we have offers that go, offers for the smaller patrimonial banks, up to the higher patrimonial banks. And then I forget here the money transfers, we have talked about it, of course, we are agents of a great operator that I will not cite here, but many here in this room know the fight that we have led for at least for 10 years to accompany the Universal Postal Union for the development of the IFS and the International Express. It is obviously part of our concept of the bank for all. A bank as useful in the service of the real economy, for example in 2014 we gave 60,000 property loans, 220,000 loans to consumption, and I must say that we have opened the loans to consumption of populations who did not have access to the banking system. We also make micro-credit with other partners and then we have also begun to finance the territorial collectivities. After 2009, the territorial collectivities in France were almost found in front of a credit crunch. They did not find any more money to finance themselves. And the state asked the Bank Postal, which is still liquid, to devote a part of its liquidity to finance the territorial collectivities, the municipalities, the departments that invest in all the public investments you can imagine. And today we have 25% of the market share of this financing. It is a bank of trust. We have talked a lot about trust already. Of course, the posts are characterized historically by the trust that the citizens make, when they make them the citizens. It is obviously the case in France and we try to make sure that this trust continues to be deserved. And we also work as responsibly as possible in terms of social responsibility for companies. An independent agency of us, of course, has tested 370 banks in the whole world and we are extremely proud of having been designated as the first in this ranking. We have a 5.7 billion euro account, a result of 600 million euros. I will stop for a moment to tell you that this result is superior to that of the consolidated post. So you see, if for a very, very long time it was the courier who financed the post, today the growth rate of the bank is determined for our future. We have a rate of about 300 billion euros. Another specificity in our development, we did not want to invent everything alone. We are humble and we have been looking for activities to quickly launch them that we do not master. We are going to look for partners and we have created a common branch with partners who were ready to value our network of post offices the most. So in the activity of, in particular, for example, we are allies with the general society in the field of insurance, housing and vehicles with the Groupama and then it is the same thing in the field of health care and in the field of the management of financial products. We come from our allies with Egon who is a big Dutch operator. Here is a word to avoid saying that everything is pink and everything is beautiful. It is not easy. Why? Well because we finance the weight of the network and this network in France is expensive and it is true that it is a challenge, it is a challenge that we accept but we still have to know that in terms of profitability, the level of profitability of the post bank is inferior to that of these homologues in France. But beyond that, we have to know that we are under the eyes of the bank regulation who knows a lot about Lourdes. We are looking now, by the way, by the European Central Bank. The size of the post bank means that we are the regulator, it is the European Central Bank which obviously is extremely resourceful on the prudent ratios which led us to recapitalize our bank several times and I know that maybe for other operators, as for us, by the way, we have to say that post operators who have banks who suffer in their courier activities, it is sometimes a little difficult to be able to follow the prudent ratios that are asked by the regulatory authorities. But nevertheless, we think that the post bank is, for us, a fantastic opportunity and I would not be too incited by the government and post operators to think about it for the next one. Thank you very much. Thank you, there is an interesting explanation that shows, if I understood well, in any case the real point of political will in the implementation of this good question. Our next speaker comes from Spain, his name is Mario Garcés San Agustín, he is the Vice Minister of Public Works and Transport in Spain. Previously, he has been an Inspector of Finance and Treasury of the State Controller and Auditor, as the Director of Finance and Public Administration of the Government of Aragon and President of the Corporación Empresarial Pública of Aragon as well as Professor of Administrative Law at the University of Calas, Madrid. Sir, the four is yours. Thank you. Good afternoon. Good afternoon. Good afternoon, good afternoon. Good afternoon. Hello. I would like to thank all the authorities who are at the room today. Ministers, vice ministers, State Secretaries, general directors and although they are not ordinary, they add on from the Moderator. Thank you very much Moderator, you are a great Wirecrather, precisely for lending me this facility and I want to compliment I hope that next time I have the opportunity to talk to you in this forum, because the Spanish have a great capacity to talk to you. Thank you very much to all of you, and especially for the opportunity that the Spanish government gives to be able to participate in this forum, this importance, this relevance, and where it allows us to manifest and express the experience of Spain in the field of practices and practices that exist in post and in matter of transfers and resources, in what we have given to call the world's exchange of emails. This is a process in which Spain is not alone. First of all, we work in coordination with the UPU, I want to thank all the authorities present here, its magnificent collaboration, its rigor, its discipline and the commitment of our country to continue collaborating not only with UPU, but also logically with UPAAEB. But above all, we are participating in a collective project, an integrated project in which we participate with 10 countries from Latin America, Portugal and of course also with Morocco in the opening of certain corridors that allow to guarantee that the transfer of financial resources reaches its final destinations. The first orator said, my first colleague, William Lacey, with good criteria that right now the world is characterized by migratory flows, it is characterized by social movements. We live an absolutely integrated, globalized society where we have to look for channels of relationship, not only personal, but also fundamentally emotional, familiar, but also financial, economic and financial. Spain has been a country that throughout the 20th century was a country of emigrants, precisely today that we are in Switzerland, it was a country where many Spaniards arrived in the 60s and 70s to work in this country. But right now Spain is a country that receives a very important flow of immigrant population from other countries. I am going to give some data to consolidate and to evaluate the magnitude and reach of this demographic explosion, of this flow of social movements and demographics that have occurred in our country. The 3.5% of the population of Ecuadorian origin lives right now in Spain. The 2.6% of the population of origin of Bolivia currently lives in Spain. Or the 2.3% of the population of origin of Morocco lives right now in Spain. And from this moment I want to thank all these populations and all those countries, the immense collaboration and contribution to the Spanish economy. And that is why we want to reciprocally, in the framework, I say, of international collaboration, to favor those capacities, those income that those families, those citizens, in our country have the right channel so that they can flow in a agile and effective way to their respective countries. Because it is economic value in Spain, but obviously it is value in the countries of origin of these citizens that, to all effects, we also consider Spanish citizens. Therefore, in a globalized world, the public operators, the large institutions, the international organizations, we have the obligation to contribute this value, to give this capacity, because if we did not lose all the utility as public servers, in that sense, Spain will be a faithful collaborator and it will be a loyal provider of resources and ideas to any international organization that is valued. We started in 2010 in the strategic conference of Nairobi. It was in Nairobi when Spain presented, for the first time, the Correos Giro project as a new project where they had already reached agreements with international organizations and where we wanted to expose that there are paths that can act with full competitiveness and in the same standards and in the same quality conditions that financial operators to provide the services of delivery, of resources of all kinds. And I think that five years later we are in conditions of saying that thanks to the collaboration of all, thanks to the collaboration of the countries of destiny, thanks to the international organizations and thanks, of course, to the Spanish state society, the Correos. Today it is a consolidated reality and the result of these works is perceived by many families in the world. We are also responsible for the Doha strategy and we also want to mark the trend of what is going to be the future of Istanbul in the next year where, from this perspective, we understand that the project must continue consolidating. We are analyzing the volume of income that represent right now the financial income in the context of the consolidated joint of the income of the post operators. These reach approximately 15 percent and in the countries of Latin America and the Caribbean this percentage rises approximately to 19 percent. Therefore, as you see, it is not an absolutely minor issue. And it is not a terminological issue, but it is a material issue. It is a conceptual issue to define what financial inclusion is. The word financial inclusion is already used in English and Spanish exceptions. What it really allows is to provide financial services that are basic to all people within a global and integrated system. And where can there be more problems? Logically, there are more problems in areas where the population density is much more extensive, where there are also areas where there is widespread poverty or where there are populations where there are large territorial displacements. Therefore, poverty, territorial displacement or migrations are two or three factors to which we have to respond and that we have to propose with what we have given to call the Post Financial Inclusion. The data is sufficiently limited, not only in Spain, but in the rest of the world. In the year 2013, the returns that were made in the world reached $414 billion The next year, in 2016, we can already reach the figure of $520 billion. This is, in three years, we have been able to increase almost in 35% the amount corresponding to the returns in the world. But for many countries, the returns represent almost a third of the raw product. It is not a minor issue. It is not a matter of geographical barriers. It is not a matter, as I say, of conciliating family or personal effects. It is even a matter that fits directly in the economic and social development of a country. In the world, there are more than 600,000 post offices and there are more than 5 million, in total, 5,400,000 employees of post services. It is evident that there is a mesh network, an extensive network, a network of offices that can lend a permanent service and that can lend a permanent service competing with the more advanced financial operators. But to lend that service, we have to lend a service of quality, of guarantee, of solvency and that is more economical. More competitive. Because if we were not so competitive, we would obviously have problems. And I am going to give you some data from Spain so that you can really see how the immigrant population in Spain is responding to this demand of public services. In Spain, as I said, the 11.5% of the population that resides in Spain is the immigrant population right now. And of these 5.5 million immigrants that are in Spain, 1.7 million are from a very dear area for us, which is Latin America and the Caribbean. In fact, Spain is the third country of the European Union, according to Eurostat, the number of remittances and the import of remittances. The 19% of the remittances that come out of Europe come from Spain right now. And in some American-centered countries, the remittances that are sent are the 10% of the gross domestic product. What effects does this type of remittance have on the receptionist population? Well, as I said, a dynamising effect, an explosion effect, economic, social and cultural effect. Multiple studies have been done. Some studies are directly linked to the activity that our country has or other countries around us. Look, money transfer has impacts on the children's population. In the psychophysical development of societies, it reduces the rate of infection or even reduces possible psychological disorders, as we have seen in some countries, because this potential for growth generates positive benefits in all areas of activity, as I say, in the economy, in the social sector, but obviously also in the health sector. And what is Spain going to do? Spain is going to consolidate this project because we consider it to be a success and a maximum guarantee project. It is a utility project not only for our country but also for the international community and obviously for the community of the receptionist countries. In 2007, we signed the first memorandum with the Secretary General of the International Office of the Universal Postal Union. On July 28, 2011, in July 2008, we had already signed an agreement for the implementation of the mail service with Chile, Uruguay and later, in 2010, we expanded the subjective area, we expanded the territorial area to other important countries of the Latin America area such as Argentina, Colombia, Costa Rica, Cuba, Ecuador, Peru and the Dominican Republic. Outside the American area we also signed agreements with Portugal and Morocco. And what was the current situation? I am going to give you the details because I think we can be very proud of those data. And when I say it is not a national pride it is the pride of doing things well and doing it at the service of the citizens at the service of the international organizations. First of all, in 2014, from Spain, 17 million people and 17 million euros with an annual growth that surpasses the two digits. A growth sustained, permanent throughout the last years and I am convinced, absolutely convinced that it will be maintained in successive exercises. Second place, if we analyze the number of tours issued, look at the exponential growth that has occurred. In 2011, there were 32,559 tours in 2014 and they have already reached 85,378 tours. And third place, which is the third most important factor has to be an attractive and competitive service for citizens. Citizens who also command quality and security services in economic conditions. Currently, the commissions that are being charged are below 3%, so we are at a level where the exchange rate allows us to be fully competitive in very professional markets very competitive, as are the financial markets. I want to end by reiterating the commitment of Spain I already said it today, I will not do it in its agile and I will do it next time I look here at this forum I want to reiterate my gratitude the commitment of Spain with the UPU, with UPAEP the commitment to continue implicating us not only with economic resources and budgetary resources but also with the will to help and develop new markets. That is based on three principles that seem to us three principles and three completely essential and cardinal actions. The service that is implanted is competitive. If we are not competitive we will not absolutely win in a market as integrated as the international financial market. Secondly, that it is a quality service and thirdly that it is a reliable and secure service. If these projects are maintained with these guarantees obviously as the Spanish Government as the Minister of Firmament that we will continue to collaborate because we have shown the success and we are convinced that we will show it in the coming years. Thank you very much. I think the example that was given by La Banque Pestelle in France it shows that there is a political will behind it and as Mr. Sanagustin was saying you need to be competitive you need quality you need to be trusted but also you need a political will to back the whole thing or else lobbyists or traditional banks will never agree or let this happen or let postal banks gain ground. So how do you see I'm going to ask each of you how do you see this how is it easy or difficult to convince Government or how much Government should actually be part of the process of helping postal banks appear on the market. I'll start maybe with Mr. Forseville who has that experience. Thank you. I don't know if I'm the best place to ask this question. What I can say is that we have discussed recently or in the past a number of countries in this area and some of the posts and each time we find ourselves going forward in front of this political choice whether Government is already convinced for a whole lot of reasons but sometimes it's the passage in front of the central banks is a difficult moment because the central banks are populated by people who are bankers that sometimes the image of professionalism of the postmen and the bankers is at fault from our point of view so we really need to convince key people to the Parliament to the Government who can go beyond these obstacles for which I can give you several testimonies in different countries that I wouldn't quote here but which made it really difficult to move forward on this matter of postal banks. What about political will if any in Hungary to come up with a postal bank? There's not such a will to have a postal bank as it is but the fact that the post is providing services to the large number of people and to provide services to people who otherwise would not necessarily have access to financial markets would not necessarily have access to financial services it does meet the intention of the Government. In addition to that the Hungarian Post signed a strategic cooperation agreement with the same loan cooperatives which means that over the time there will be we will have to elaborate on the synergies since the Post has 2,700 outlets and the same as the loan cooperatives have 1,600 outlets which means that they have the largest network in the country and they can reach people in remote villages or in small towns and people who otherwise may not have easy and convenient access to financial services. On the other hand you explained that there is a real political will in any case to support, to be part of the Post and to provide services to the population it is an evidence. Yes, I confirm it I said it in my light notes it is that even the Government in the framework of its national policy which was called strategic framework of growth and to fight poverty and the Post was identified as independent and put into the work of one of its most important axes the transformation of the economy in a growing support and in the creation of jobs and to be more concrete and at the end it could only be done this way of a country essentially rural with a scattered habitat a nation with a number of still weak urbanization very weak and 10% or 12% of the population can live in cities or in urban areas and the Post which on the other hand represents the most broad network of proximity if we want to leave poverty I talked about the notion of poverty there will be no nation developing without banking there is no other choice than to give to the Post which is the network a public network since the Post is 100% or having an operational and financial autonomy it remains a structure dependent on the government it is a tool the government has given and the political will is there that is in part what I would like to say I would like to add another aspect in relation to the question you are asking at the time and at the time of the convergence the banks I was saying at home are very limited and their cartography is limited in cities or urban centers I don't think there could be an alternative to the Post and for the government at least in the current conditions than to give it to Somanda and for financial inclusion and I was saying in the decree of March 2011 which organized the Post and which adopted in the department in charge of the Post and Finance the government gave it another mission especially the mobilization of the banks the offer of micro-assurance and the mobilization of the banks and the 3 credits to the association and the production group in rural areas thank you I will get to you Ambassador just to speak about remittances but one last question to you Mr. Sonagustin do you think do you have the impression that maybe governments at least here in western countries it is fully understandable what was explained for Burundu that governments tend to fade away rather than step in do we need do the Post needs more government just for the banking system for example the Post cannot compete from the financial market with the big financial entities in the national sector in fact, the Post is no longer a national bank from the financial system in the Spanish sector but nevertheless we have the confidence that the Post can provide a spectacular service in certain countries where there are migratory flows to be able to position the financial resources that are obtained in Spain, in Spain in the corresponding destinations that provide mail that do not provide banks that is the value that we really have to identify because in the end the citizens freely choose in a market economy freely choose which is the best which is the most efficient service and that offers mail offers in the first place a very wide network of offices that allow to channel precisely those flows in a much more stable way and much more extensive that would make the financial establishments in strict sense In addition, it is being done in terms of the point of view of very competitive prices which obviously allows us to be competitive with other possible competitors and agents in the market and there is a plus which is the brand that offers mail a security brand a reliability brand it is curious but the citizen not yet in the field of the public sector thinks that mail will guarantee delivery in time in time and in conditions of the return that is offered There is still a cultural resistance to some private operators while that brand we are able to consolidate it in the market it will be a third value a third bet that will be able to maintain in Spain and in other countries However, there is one service where people tend to privilege a private operator rather than postal bank its remittances What would you ask? We both are clients today What would you ask In order to What solutions do you have to use more of the post and cut down the costs which are exorbitant as you were saying for remittances To be very frank and to give you more of a global perspective on this I think that we are living in a period of the world is sort of in disarray we have more conflicts than at any other time in recorded history and both that has come a great distrust of migration the anti-migrant sentiment is very rampant in the world and so globally speaking I think the two things have to happen the two greatest challenges number one we have got to begin to change the narrative about migration I am very grateful that Swiss television and radio is involved here because the word needs to get out there that migrants are a positive force for development you have to deal with that you have to deal maybe they are coming to take our jobs maybe they are bringing in disease all of that we have to get rid of those stereotypes and get back to the reality that we all need migrants migrants contribute if you can't change that narrative then you are going to have trouble really bringing to fruition what we want to do with Burundi and other countries to reduce the costs to a normal level 5% or below the second aspect is very much related to that is that we have to know that we are dealing with a situation where there is going to be inexorably countries are going to become much more multi-ethnic multi-religious multi-cultural and therefore we have to deal with the challenge of learning to manage cultural, social, ethnic, religious diversity I mean I am sorry to put it in such global context but I think that is the backdrop against which all of us are now working to reduce the question of remittance transfers thanks very quickly as time flies how do we get to that 5% cost for remittances according to you what kind of solution would you propose well I don't know if it is a good idea to start with you but let's start with Mr. Sonninglustin do you think or Mr. Forceville rather ok let's start with Mr. Forceville I missed it sorry oh you didn't listen to it now Mr. Lace was saying that maybe we should get down to 5% cost for remittances for example what kind of solution do you have do you think it is realistic to go down to that level of cost I don't know what I know is that it is expensive and what is expensive is the manipulation of the cash and as long as there is manipulation of the cash because you have to protect yourself you have to carry it it is something very expensive especially when you go in remote areas where are the offices so obviously we wish that it would be as expensive as possible so after if we get out of this cash problem we go on the electronic money I mean the exchange of money which ends by telephone and payment also by telephone because it is good that to have money on your phone you still have to be able to spend it and also computer development important frankly it is true that we would all like to reach this morally today by curiosity what percentage it depends on the product you choose we send money abroad it is strange but it can go up to 10-12% yes for the international express itself I do not have the range in mind especially that as we try to promote it we have consented more of tariff bays if you want on a market which is very competitive we cannot sell at a loss and that is why you have to be careful you have to try to do the maximum and it is true that the massification will help us because the more there is the lower cost it is an economic scale as the courier so yes we can hope to advance but we must not dream of a universal service and that there is a subvention to do this universal service which can also be a choice but until then the cost is still important you agree with that you share the same analysis in my opinion as he just said the solution is in technology it is and today the posts which traditionally are called in the use of technology of communication information and I confirm that the possibility where the solution is in the dematerialization of money that is the transfer of money by mobile and the posts are able to do it and then on site today all the posts where there are many posts mine misunderstood which intervenes in the transfer of money by mobile we are agents operators mobile phones or banks but I think the option in this conference and in the post world community and why we post operators designated we could not become ourselves autonomous operators to transfer money by mobile it is feasible technology is there where at the limit we can envision research in this sense and I think that I share the same life with others the case of Spain the commissions that are charging the same mail by the remittances have not exceeded any of the years 3% therefore it is good to set objectives but in any case to have in a competitive market very reasonable pressure conditions well gentlemen thank you very much for the discussion I'll quickly have a look to say if the audience wants to add anything I think we had the organization of the Francophonie who wanted to take possibly the word I do not know if it is there I have a little bit of pain to distinguish if Mr. Ambassador is in the room and wants to take the word I do not believe it is the case or someone I have also seen it is the little bit that we just put me that India asked to intervene so where is the Indian representative hello yeah thank you okay please yeah go on thank you chair thank you for giving India this opportunity to speak in this important forum I would like to take this opportunity to specially thank kothidawar and sudzilan besides the director general of the ibu pu and the diptydg for organizing this excellent conference I would also like to thank the director general of international organization for migrations for his excellent presentation and recognizing the role that post offices can play in reducing the cost of operations in 2014 the just released world bank figures show that India received over 70 billion US dollars in remittances which is about 3.5 3.7% of our 2 trillion dollar economy the cost of remittances with MTOs the transfer organizations are very high and there is definitely a need to reduce this cost I would also like to mention that the world bank reports repeatedly have said that south to south migration sorry remittance which is remittance from one developing country to the other generally tends to be very high I take this opportunity as co-chair of the postal operations council's committee 5 on postal financial services and as the chair of ad hoc group on creation of postal financial services user group to emphasize to implement the last congress resolution which calls for the need to develop a common brand like EMS for the designated operators and create a cooperative on the lines of EMS I would also like to seek the support of all UPU member countries in this important endeavour of the UPU I would also like to mention that with over 155,000 post offices all over India we play a big role in financial inclusion through postal savings bank postal life insurance social services payments and domestic money orders India will like to invite designated operators in the world to make use of our large network to reduce the cost of operations thank you well thank you very much so we'll conclude this panel as I'm repeating myself but Tom flies and we have to other panels to discuss about so gentlemen thank you very much for your thoughts and for sharing them with us a very good afternoon to you very much 5 minutes break and then we go on with the next panel thank you it was brilliant thank you very much so so everybody back everybody ready to go on we have our panelist which as far as I'm concerned is the most important part now I hope you guys have a nice quick rest and we'll go on now with the next panel so please have a seat so that everybody can work in a comfortable way so and sell that it is obviously in your profession in your professional occupations or that it is in the private home at home of course, it creates new opportunities and new challenges while pushing companies around the world to operate precisely the digital transformation the post-it actors you imagine do not want to stay at the edge of this phenomenon we have been talking about it for 2 days now the intervening of this panel will discuss precisely the question of knowing what governments and posts can do so that this trust associated with the products and physical services of the post can also be translated as well as even better why not in the digital world that must invest the post to start this panel I will ask the Vice Minister for Policy Coordination Ministry of Internal Affairs in Japan, Mr Yasuo Sakamoto to come up the stage and take the floor he has previously held numerous responsibility within the Ministry of Internal Affairs and Communication acting as Director General for Global ICT Strategy Bureau or ICT Strategic Policy Planning Mr. Sakamoto, please thank you very much thank you very much Mr. Koinete good afternoon and I'd like to express this year I'd like to to the Chairman, panelist and participant for giving me with this opportunity to make a presentation I'd like to discuss what role the postal sector is expected to play in the future while keeping in mind the role it has been playing to date the postal sector has been playing the following roles over number of decades by making the most of its greatest advantage i.e. physical infrastructure including the post offices and delivery networks in economy and business fields the postal sector has been playing a role to deliver information by letters and postcards goods by parcels and money by limiters from the viewpoint of social responsibility it has been playing an important role as a hub to connect community including rural areas of the member countries it is an undisputed fact the postal sector has been gained the trust of society through such initiatives meanwhile the world has been changing significantly as a change in economic and business field the world is seeing digitalization of economies which is represented in the term digital economy it is said that the internet and mobile phones will split to cover the whole population around the world by the year 2025 internet of things and artificial intelligence are expected to see new development in the future given this situation the role of the postal sector delivering information through conventional method such as letters and postcards is facing a significant challenge on the other hand new possibilities are emerging in the parcel area which is a service for delivering physical goods thanks to the development of e-commerce moreover the globalization of socio-economic activities has also expanded the amount of close border commercial trade in terms of social aspect nation around the world have been continuing their effort to reduce domestic regional gaps and to develop and revitalize rural areas while advanced countries are facing new issues such as collapse of communities and super-aging society in addition new global issues that cannot be solved by a single country have also arising and disaster prevention these changes could be a challenge for the postal sector but at the same time we should take them and opportunities if the postal sector is to continue to develop an integral part of the global communities and economy it must accurately respond to such social needs digitalization including the development of internet is evolving at a speed that no one could imagine it is crucial for the postal sector to perceive such changes as a means to create new added values and to empower postal services rather than an opponent for the postal sector we should not perceive them in a versus structure the biggest weakness in digital space is the lack of trust in communication which is represented by information security issues such as cyber attacks meanwhile the advantage of the postal sector which delivers information by physical means is well established reliable physical networks however it also has been weaknesses such as lack of speediness and efficiency I think the most important thing in envisioning the future of the postal sector is to build a win-win relationship between the digital economy and the postal sector with the disadvantage advantage and disadvantage of the both parties in mind there are three key points in designing the future of the postal sector first point is to accelerate the deployment of ICT to the postal system second point is to create new added values by embracing and integrating ICT third point is to proactively utilize postal office as trusted hubs for local communities I'd like to skip the first point as it is obvious with legal effort for the second point I think based on recent development of e-commerce the postal sector can be more and more expected to play the following roles first to increase the reliability of its delivery services which is the core of the postal sector for this purpose additional functions such as tracking services are demanded second direct marketing web marketing, consumer management sales activities etc which utilize the internet third to enhance different payment means such as payment after post office cash on delivery on electronic payments with legal effort for the third point the maintenance and rebuilding the regional communities especially those in rural areas come as an important issue in terms of the social responsibility of the postal sector as the world is seeing digitalization flourish in turn face-to-face communication between people is declined in Japan where the aging of the population is advanced compared to other countries employees of Japan Japan Post are providing mimamori services mimamori is Japanese in the sense of supporting elderly people the post offices played a significant role in the great East Japan earthquake four years ago providing barrier service for disaster victims post offices which have been built upon the direct communication between people can be a great effect in this era of the internet I think they can make a significant contribution to society as a hub for delivering all land services to citizens in local areas moreover in consideration of the prospect that globalization will be further advanced in the future it will be crucial for us to make further effort to seamlessly interconnect the trusted network of postal offices around the globe lastly needless to say postal services are provided beyond national boundaries to respond to the digitalization slated above in accurate manner the role the UPU should play with an eye to globalization become more and more significant such as developing common rules on introducing ICT and capacity building as we have Mr. Sanu director of ITU here at our session coordination between the UPU and ITU also another topic that we should consider thank you very much for your kind attention thank you Mr. Sakamoto, thank you very much Mr. Sanu, please distinguished participants ladies and gentlemen all protocol observed because the moderator asked us to be very brief of course it is indeed a great pleasure So of course it is indeed a great pleasure for me to be here today at the UPU World Strategic Conference to discuss with our sister organization, UPU, I repeat our sister organization's UPU, just to show you how we feel close to UPU and to discuss here how the post can continue to raise to the challenge of remaining relevant and how to leverage the trust that we all have in physical postal services to deliver innovative development and business services. Actually, all the ecosystem and the stakeholders of ICT, which is today the driving force for all economies, all those stakeholders and players, governments, regulators, service providers and consumers are facing the same challenge. The technology is evolving so fast that no matter at what time you go to bed, when you wake up in the morning, the first question should be what have changed when I was sleeping. And the second question, what I must do to remain relevant. If you are not relevant, you are out of the picture, you are out of the market. So then the post being one of the major stakeholders in the communication is also facing, are also facing the same challenge. So transforming trust in the physical world to the digital economy is a multifaceted challenge with tremendous opportunities. On the telecom ICT side, I would like to focus today on three issues. One, for all this to happen, we need services that should be accessible through resilient and high quality network at affordable price, I repeat affordable price. Post connected with high speed capacity, post offices can serve as local platforms for a range of essential government, financial and other services and thus provide governments and business communities with a vehicle tool to reach out to the hard to serve communities where normal business model may not work. ITU and UPU are currently working, for example, on projects to explore innovative business models to connect postal offices in remote areas using low cost broadband connectivity solutions and we are studying ways to cover the cost of the connectivity from the revenue generated by the digital transactions. Additionally, with mobile subscription over passing 7 billion, it is clear that mobile communication could bridge the digital divide and become a universal tool with benefits far beyond the voice and the text communication originally envisaged. This is for the reason that myself I launched an initiative that I call M Powering Development, M for mobile dash for partnership and powering development because today this technology has been well accepted in the most rural and the most remote part of the world. Then it is just a golden plate we have to use for development and go beyond voice. The second point is that for all this to happen, citizens should be sure that their private and confidential data will be well protected. This brings us to the security of the users of the ICTs. The recent cybercrime statistics are alarming. The likely annual cost of cybercrime to the global economy is estimated at more than 455 billion and there have been a full increase in the number of banking and financial related malware on some software platform from the first quarter to the first quarter of 2014. Making confidence and security in the user ICT therefore remain one of our top priorities. ITU launched in 2007 the global cyber security agenda and I'm happy to tell you that in this front ITU has continued to play its role as a catalyst through initiatives and programs which we are implementing to facilitate international cooperation and improve cyber security in each country and globally. The ITU telecommunications development bureau that I led is working to implement the mandate of ITU in the framework of which we have now 152 countries member states who have formally joined ITU global cyber security initiative aimed at facilitating the deployment of computer incident response team. With the increase in usage of such e-services catalyzed by the use of the dot post, top level domain, certain national posts will soon be counted as critical information infrastructure. There is then a great window of opportunity for the post to become a trusted partner in the delivery of e-services to citizens and businesses. The postal network and UPU are therefore our natural partner in cyber security. The third point I want to talk to you about today is that customer should not be limited and they will not accept to be limited anyway to constraints or geography or by operators or any service provider. So now we are living in the area of convergence. Convergence of infrastructure, convergence of services and convergence of service providers. We no longer have vertical service providers. We have a convergence of service providers and this is a new landscape where the assurances of yesterday could become the threat of today and even become the lethal weapon for tomorrow. There is then a need to explore innovative and sometimes disruptive services, business models and partnership. The universal network and the international legally agreed and binding mechanism through UPU position well the postal services to facilitate cross border transfer and ensure interoperability among payment system deployed at national levels through a multilateral approach instead of separate bilateral agreements. So UPU can then provide a neutral interoperable platform, a clearing house, leveraging UPU's international financial system to allow various players who are offering a payment solution to transfer money between wallets from various mobile operators or banks. I'm glad also that UPU is participating to the new ITU focus group on digital financial services which would provide an important vehicle to bring together various players and develop new joint international standards for interoperable mobile financial services. Now looking at the future, ICT will continue to open new opportunities. The widespread of the physical postal network make it a perfect candidate to equip everything. Postal vehicles, mailboxes, parcels, whatever you want with smart sensors, useful data about many things. Some panelists here have mentioned the tremendous number of services that can be offered. The post can be part of it. The post should not be out of it because we are in the new environment where as I said we have a convergence of infrastructure. If you don't go to others, they will take your business anyway, better be part of the solution and not be part of the problem. Consequently, I could see that with the internet of things, cloud computing, big data, open data, et cetera, are few examples that are a kind of gold mine where the postal service could find a way to provide new services. The post are at the strategic juncture to use the digital economy as an opportunity rather as a threat. However, for this to happen, I will conclude on that each stakeholder should play its partition. Government should put in place policies conducive to the development of the post in their new environment. We cannot assign such an handicap to the post and expect them to win. Regulators who are now more and more converged to regulate post and telecommunication should play the role of facilitators, I insist facilitators, the way they did it one decade ago for the telecommunication. The telecommunication sector should look at the post as a serious client and ride on their comparative advantage to cut costs and make business. The postal service providers should reach out to the new profile of client, particularly the youth, the youth that we call in ITU the digital native and propose services to cope with the need. This is where the clients are now. I'm confident that the post will raise to the challenge and tap into the tremendous opportunities of ICTs. As the director general for UPU said, post must step out of comfort zone and build its future, their future, ITU is committed to play its role together with UPU to make that happen. Thank you. Thank you. Thank you very much. Thank you very much. Monsieur le ministre de la Poste et de TIC, excellence mesdames et mesdames et messieurs les ambassadeurs, monsieur le directeur général du bureau international, monsieur le vice directeur général du bureau international, mesdames et messieurs les délégués, avant tout je voudrais joindre ma modeste voie à celle des plus hautes autorités de mon pays, la Côte d'Ivoire pour remercier la Suisse et le bureau international pour toute la tension dont nous sommes entourés depuis notre arrivée. Hier dans son discours, le premier ministre a souligné l'importance de la poste du secteur postale dans la vision du gouvernement à l'horizon 2020 pour l'émergence de la Côte d'Ivoire. Le premier élément qui illustre cela est la dénomination de notre ministère à savoir ministère de la Poste et de TIC, ce qui est chose rare dans sonotropique aujourd'hui. Je voudrais en profiter pour remercier monsieur Bruno Connais, le ministre Bruno Connais pour le temps et l'énergie qu'il consacre à la poste dans la mise en œuvre de cette vision partagée. Encore d'Ivoire, nous disons souvent que la poste revient de loin en pensant à la crise que nous avons traversée, mais nous disons aussi qu'elle vise loin par rapport à nos ambitions. Cela dit, le sujet qui nous regroupe aujourd'hui en ce moment précis, c'est que peut faire le gouvernement et les postes pour que la confiance associée aux produits et services physiques puisse traduire tout aussi bien et même mieux dans le monde numérique. Mais je préfère dire que doivent faire le poste et le gouvernement parce qu'on n'a pas le choix. Pour avancer, il est bon que nous nous entendions sur le concept d'économie numérique qui renvoie d'une manière réductrice aux commerces électroniques, laissant de côté d'autres composantes telles que les services, les infrastructures et la technologie sous-jacente. Pour être complet, le terme devrait renvoyer aux télécommunications, aux audiovisuels