Of course, my colleague from UP [University of the Philippines], [Department of Trade and Industry Secretary] Fred [Pascual], talks about all the other things that could happen because of this [digitalization of SMEs], including lending that is not collateral based. 1/2  BIS - Central bankers' speeches  These are the things we all enjoy, and we look forward to even more.
On this note, I would like to officially declare this exhibition open and invite you all to peruse through the contents and interact with our member s of staff who are on hand to respond to any queries that you may have. Thank you.