Of course,  8  there will be challenges, but with firm commitment, we will eventually reduce the dominance of cash in transactions and improve the efficiency and security of payments for a more inclusive society. 15. To conclude, let me note that the future of banking services is digitisation and it brings opportunities as well as challenges.
It is the time for correction. Hopefully by this time next year, so I believe, this country will be different. The key to successful recovery will be the patience of the man on the street and the political will to implement the 2012/2013 Budget as passed.