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the first change is that we will have to utilize the power of digital tools to deliver simple practical solutions to millions of customers we will get a critical data we will use advanced analytics and big data to better understand our customers needs and perhaps an unanticipated needs and what they require from the product that will provide digital analytics is the sure way to enablers stay ahead of the curve we have to remain informed innovative and nimble as we provide these services to our customers second is that we need to step up as far as our customer service is concerned we will have to simplify our digital portfolio for our mass markets we probably would have just one years as the platform one mobile application for our retail customers and we'll invest this several several self-service channels we have to create a universal payment gateway which will allow international customers as well as African customers to transfer money easily within and across the continent seamlessly that's the only way can be done for our corporate customers we will launch an exciting new era of products and will draw on our global presence and centers of excellence to offer us seamless service by developing key hubs in the key global financial gateways of the United Kingdom in the USA in Hong Kong who have trade hubs you know that will be required to support trade finance for all our global corporates in Dubai in Mumbai in Lebanon and of course China all of these things and all of these pods and the presence we have internationally will ensure that we consolidate and dominate international trade as far as this continent is concerned a national presence will definitely let us serve our customers in a much better way than ever before in a way that we can begin to compete more favorably with some of the larger players that exist in the West third we will be relentless in focusing on our performance we reduce our costs we have to use technology to reduce those costs and automate several of our processes people might be freed from mundane jobs and things and processes so that they can focus more on resolving customer issues on providing service to the customers and anchoring and pursuing targets of market share profitability and other Prudential ratios access bank has been known for compliance and this is a very important change that needs to be done because it needs to be stepped up even deeper miss everything that we do we will be more scrutinized much more scrutinized more than ever before particularly as we continue to grow across the world and handle several payments across several jurisdictions and so we must strengthen risk management and a global compliance framework and the anti-fraud capabilities much more than ever before people be skeptical because one African bank but our pair group and I'm not talking of local Nigerian banks Organa and banks and I'm talking about the lights or Citibank sometime there at HSBC they all understand this they pull together and share information on best practice that is required to resolve issues on compliance issues on money laundering issues on that have to do it anti fraud and cybercrime we must join and manage participation in these global networks as well as create our own that will be required to support own endeavors as a bank with a true global reach we have to be ruthless as far as compliance is concerned we have to put in the rigor that is required more than ever before because this is what international regulators expect and each time they see customers from Africa just because of the narrative around Africa this patina gets deeper and deeper and so there shall be no let-up as far as this commitment is concerned we want access bad to be seen as the clear benchmark for global standards as far as Africa is concerned but you know in all of this change that I had mentioned we cannot achieve any of all of this without you our people we will need to deepen our pool of talents we will need to train and invest in your talents we will make sure that you receive the best training ever I know that you are already the best in the industry but because of the challenge ahead of us and what the targets were set for ourselves we would have to train you so much more to harness new technologies and bring the best of digital banking to expanding customer base