We harness our wide-ranging economic, financial stability and regulatory expertise to protect consumers' interests. I will hand you over to Deputy Governor Derville Rowland shortly who will speak about the consumer protection framework, the themes in the paper and the role our planned engagement will play in the evolution of the framework. But first let me explain why we are publishing this paper today.
As you all know, financial services are undergoing major change and we are already in a period of transition driven by innovation and changes in consumer preferences. Increasingly people are accessing their financial services digitally, while some continue to favour a traditional means of access. Through this period of transition, the Central Bank aims to continue to protect consumers' interests.