But before I do so, allow me to make some few remarks on the ongoing developments in the financial sector. Over the last five years, the Kenyan financial sector has witnessed significant transformational developments. The Kenya Institute of Bankers has been on the driver’s seat to spearhead these developments.
Let me highlight a few of these developments:   The growth of technologically enabled financial services, especially through the inter-linkage of mobile phone technology platforms and banking technology platforms;    Increased regional and international expansion and connectivity of financial service players as well as increased market potential to the region;    Increased market awareness of customer rights and the resultant emphasis on consumer protection; and    Strengthening of oversight mechanisms to protect the integrity of financial systems.