As part of the implementation of the National Strategy on Financial Education, we are assured that through the primary and secondary school curricula, children and youths are learning concepts of personal, household and business financial management in subjects such as social studies, expressive arts, physical education, business studies and civic education. Recently, a significant milestone was achieved when supplementary financial education materials for learners and teachers in the lower and upper secondary schools were published with the support of Financial Sector Deepening Zambia. We also commend the Curriculum Development Centre for their contribution in the publication of these materials. Going forward, we will need to embed the principles of sustainable finance in supplementary materials to ensure that our next generation of adults are able to consider social and environmental risks in their investment choices. Ladies and Gentlemen As the Government is developing the 2023-2027 National Financial Inclusion Strategy, it is the right time to integrate elements of sustainability, with consideration of environmental risks and climate change mitigation measures into the Strategy. Sustainability improves the quality of our lives, protects our ecosystem and preserves natural resources for future generations.. In this regard, the Bank has a vested interest in encouraging financial sector players to be innovative, and responsive to climate change effects by designing financial services that support a sustainable economic growth journey, while balancing financial stability, inclusion, integrity and consumer protection in the financial ecosystem.

Ladies and Gentlemen It is a continuing concern of all key stakeholders that provision of financial services in rural areas continues to be significantly lower than in urban areas. This has constrained the rural populace from access to savings products. This largely on account of poor infrastructure coupled with low literacy levels. As of June 2020, 39 out of the 116 districts in the country, did not have either bank branches or agents. It is from this backdrop that the Bank of Zambia, the Ministry of Finance and National Planning and the Ministry of Health, commenced an initiative to help accelerate rural financial inclusion in Districts by promoting the use of health facilities as general access  2/4  BIS - Central bankers' speeches  points for financial services. The General Access Point Inspection Report was presented during the dissemination workshop on 13 September 2022 and is available for detailed information. Ladies and Gentlemen The implementation of the National Strategy on Financial Education requires the united responsibility of the financial sector. This has been demonstrated by the Pensions and Insurance Authority, the Insurers Association of Zambia as well as Securities and Exchange Commission and the Capital Markets Association of Zambia who successfully launched the Insurance Week under the theme "Insurance-Solutions for a better tomorrow" and World Investor Week under the theme "Learn more about Investor resilience and sustainable finance" earlier this month. I am confident that the key messages disseminated during these events will contribute to raising the levels of financial literacy in the country.