And I am optimistic that we will. I firmly believe that Fiji has a huge potential and this sentiment has been echoed by many visitors to our country. Just last Wednesday, the CEO of ANZ, Mr. Mike Smith echoed the same view. But unfortunately, we are drifting far behind our potential.
For instance, when a consumer deletes a fintech app from 5 / 11  BIS central bankers' speeches  his or her phone, it is not clear this would guarantee that a data aggregator would delete the consumer’s bank login and password, nor discontinue accessing transaction information.