Director of Ceremonies and Distinguished Guests, from the perspective of what I just said, it is evident that being financially excluded or lack of convenient access to financial services could otherwise be debilitating and constrain development and growth.
That is, even with an abundance of resources in terms of land, livestock, labour, skills and ability, as well as public infrastructure and services, their productivity and benefit to society will be suboptimal in the absence of cost-effective access to financial services.