*  *  *  Distinguished Guest; Ladies and Gentlemen: It is my honour and pleasure to join you during this breakfast event to disseminate the results of the Kenya Financial Diaries, 2014. This is a commendable and timely study by the Financial Sector Deepening Kenya aimed at understanding behaviour of the consumers of financial services in the country.
In conclusion, I would like to challenge the banking institutions in Malawi to come up with strategies and plans, particularly in the area of access to credit by rural communities and other banking services by the Malawian entrepreneurs so that jointly we all play our part in the process of transforming the Malawi economy.