Finally, information technology is also expected to encourage  SME  to  utilize  the  development/innovation  of  technology in conducting its business  Distinguished guest, ladies and gentlemen, I would like to conclude my presentation by quoting the statement from Christine Lagarde, Managing Director of the IMF: “Greater financial inclusion has tangible economic benefits, such as higher GDP growth and lower income inequality.
Doing so requires a regulator to take a strong stand on the nature of scale and scope economies in large financial firms.