Impact change. That will be focused on the rise of technologies, this is about 90 minutes. I would like to welcome you to our forum on Financial Inclusion, we are web casting this event live, so wed like to welcome our viewers and also those of you who have tuned in via cspan for those of you who are wishing to post comments during the forum, we have set up a feed at financialinclusion, you are willing to make any comments you would like. There are nearly 2 billion adults globally, who do not have Bank Accounts. This makes it difficult to Access Financial services, pay bills or transfer money to relatives. In those situations, its difficult to be an entrepreneur. The good news is that many nations have made commitments to expanding Financial Services to the poor, they understand that Financial Inclusion is vital to economic development. They are developing Financial Inclusion policies and implem t implementing a new framework that encourages inclusion, today, robin lewis and myself are