Thanking you for your attention I’m ready to take several questions. 10  BIS Review 119/2007
Once consumers are sufficiently equipped with the knowledge on using digital financial services responsibly and have a high level of trust in the reliability and security of online services, only then can we reap the full benefits of digitalisation. This ties in with one of Bank Negara Malaysia's aspirations in the Financial Sector Blueprint 2022-2026 under the cluster of "finance for all", which is having diverse choices for consumers, with most preferring digital solutions. We aspire for consumers to benefit from the availability of 'digital first' solutions such as invisible payments, digitalised motor claims and smart contracts. Beyond digitalisation, we aspire for consumers to be confident and capable of taking charge of their finances. Towards this end, we are working together with other ministries and agencies in enhancing consumer protection reforms such as the enactment of the upcoming Consumer Credit Act, the establishment of the Consumer Credit Oversight Board and the streamlining of the regulatory regime for financial advisors and financial planners. The world we live in today is ever-changing and fast evolving. We live in a world where, while life expectancy has increased, health and  3/4  BIS - Central bankers' speeches  medical risks have also risen. While income is growing, the nature of employment has also change from largely stable income, to more volatile due to the growth in the gig economy as well high tendency for labour mobility. Although technology attempted to keep pace in managing the impact of climate change, climate-related events have also becoming more frequent.