I recently shared with my staff some of our key achievements for the year, and in almost each case the result was based on cross-departmental 3/5  BIS central bankers' speeches  collaboration. We need to become transparent so staff have a clear sense of our direction. And we need to be more flexible, so that we can keep apace with a dynamic world.
Things become faster out of the port, right? So, all the payments to the government will also be easily tracked, including payments to local governments. This is getting very exciting. In addition, of course, we want more and more people to have formal bank accounts, and that a lot of payments will be done digitally. That is exactly what is happening right now.