Thanks Meena. My point in this case is: on financially empowering the communities, we must think on keeping the money circulating within the local and small merchants. That's what strengthens local economies. And of course, bank digitalization is one trend we cannot forget. On this matter, the Bill & Melinda Gates Foundation currently has an opened Grand Challenge focused on enabling merchant acceptance of mobile money payments (http://gcgh.grandchallenges.org/Explorations/Topics/Pages/MobileMoneyPayments_Round15.aspx). Maybe we can think of something special to submit as well. What do you all think?