3. Let me now turn to specific issues I have been asked to speak on viz. mobile banking, financial inclusion and consumer protection. A.  Bank-led vs non-bank led model of mobile banking  4.
Global financial conditions have improved, supported by aggressive policy actions of major central banks. Sentiment, though, remains fragile. •  In Canada, while global headwinds continue to restrain economic activity, domestic factors are supporting a moderate expansion. Following the recent period of belowpotential growth, the economy is expected to pick up and return to full capacity by the end of 2013.