In this connection, the Bank is fully aware that over-regulation may stifle the upspring of innovative financial products aimed at closing the financial inclusion gap and we will factor this in our actions.   Second, consumer literacy and protection Our second objective is to ensure consumer literacy and protection. Financial illiteracy and lack of consumer protection are major impediments to access financial services.
It will take more than a few months to establish a trend, and then still longer for it to translate into more investment and hiring by companies, but it looks like the natural sequence we’ve been hoping for is getting under way. Conclusion Let me sum up.