*  *  *  Today is a milestone in our process of crafting a National Strategy for Financial Inclusion (NSFI). This is important because our objective is to act and work together to improve the quality of life of millions of Filipinos.
Concentrations of risk are more readily identified, and when such concentrations exceed the risk appetites of intermediaries, derivatives and other credit and interest rate risk instruments can be employed to transfer the underlying risks to other entities.