14.For my colleagues from banking industry in Pakistan, I would like to say that we have to adapt to the changing realities of times. We shall take the challenge and use the opportunities provided by technology to deliver the best of best to our citizens.
I expect that the financial sector will take advantage of Page 9 of 10  current favorable market environment by investing in innovative technologies and product offerings to expand services and broaden access to financial services in the country. 15.I would once again like to congratulate Telenor Microfinance Bank and ANT Financial for launching this initiative to facilitate cross border remittances.