Mobile payments account for over 80 percent of the volume of payment transactions, but 7.4 percent of the total value of transactions. Ladies and gentlemen, we are proud of two related products that will soon be fully operational, through which public debt operations will leverage on the growth of mobile financial services.
And third: we need to see further progress on the capital markets union (CMU). Creating deeper and more integrated capital markets in the EU will provide firms with additional funding sources as alternatives or complements to bank credit. Implementing the Commission's CMU Action Plan in full within this legislative cycle should remain one of Europe's key goals. Conclusion Let me conclude.