Your motto of Honesty and Integrity needs to be jealously guarded to positively project 19 | P a g e  the profession of banking. Despite the daunting odds facing the profession, successive leaders of the institute have made significant strides to make the institute what it is today.
Contactless payment methods – perceived as hygienic – are preferred, and mobile payments have many new users, while the number of cash transactions at the point of sale has decreased. Several studies do suggest that many of these changes are likely to become permanent. With this in mind, it is important to discuss and clarify the central bank’s policy and goals on electronic payments.