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[Music] thank you [Music] right now we have a panel coming to share with us some thoughts around strengthening operational resilience and overcoming challenges the changing face of banking services in East Africa region our moderator for this panel is Dr Louis Casa kende would like to welcome you up on stage together with all your panel members Mr Benjamin Dr habil and Miss Nicola from the afdb please you're most welcome thanks moderator I've been introduced to Luis I'm the executive director of meth me the macroeconomic and Financial Management Institute in in Harare thanks a lot for inviting me about it to all of you in the room and those uh online this panel is going to address the changing phrase of the banking sector the digital disruptions have changed the face of banking in the region especially in the last uh uh 15 years it has expanded the rich of financial services in a very unprecedented manner fintechs were exploited you may recall during the covid-1

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