on medical and health insurance and takaful and perlindungan tenang microinsurance and microtakaful. these efforts are pursued in tandem with broader reforms being pursued by the government to improve malaysia's healthcare system, including healthcare financing. ladies and gentlemen, as we intensify efforts to advance the insurance and takaful sector, a key component is all - round, holistic professionalism – a workforce that is not only technically proficient, but also fully committed and uncompromising on ethical standards and professional excellence. this ensures that the industry's efforts are met with confidence and collaboration, with full trust by customers, paving the way for sustainable growth. the recently launched financial sector future skills framework, or fsf, is a step in the right direction. as a single point of reference on future skills and career pathways, the industry can now leverage on the fsf to better anticipate the reskilling and upskilling needs of all levels of staff, including agents and agency leaders. by doing so, we empower our people to adapt to roles that are continuously evolving. i would like to commend the exemplary leadership demonstrated by aii which proactively aligned its modules with the fsf framework. we appreciate the continuous commitment to futureproof and shape the insurance industry by nurturing a workforce that is well - prepared for the challenges of the future. our hope is that aii programmes will continue to consistently meet the highest standards of integrity, professionalism, and ethics, to reinforce our collective dedication to excellence. at the same time, we encourage the industry to provide full support in leveraging on aii's offerings to reinforce the level of professionalism and trust within the insurance and takaful sector. i am confident that, in time, aii will fully live up to its name, offering training programmes and qualification that are widely adopted and well regarded across the whole of asia. 4 / 5 bis - central bankers'speeches ladies and gentlemen, in closing, i would like to see the insurance and takaful sector remain relevant, thrive, and continue to play a pivotal role in contributing to the nation's broader economic and social development in the years ahead. such vision cannot be achieved in silo and will require a whole of nation approach. i also wish to reaffirm the bank's steadfast commitment to driving essential reforms within this sector. by working together, we can transform our aspirations for a more competitive, efficient,

##cive regulation, ready infrastructures and talent pool, malaysia offers a fertile ground for exploring and developing cutting - edge islamic finance technologies. malaysia can lead the way in shaping the future of islamic finance through innovative fintech solutions and key to this is having a long - term symbiotic relationship within the ecosystem. to conclude, i would like to congratulate the organisers and the sponsors for organising this summit. it is a strong exhibit of the industries'commitment to gather all the global fintech leaders, innovators, and the financial services community, in curating a resilient islamic fintech ecosystem moving forward. allow me to remind all of us to keep looking ahead and play an integral role to better serve the people and planet. the islamic golden age, with its legacy of innovation and enlightenment, reminds us of the potential for human progress when knowledge, diversity, and cultural exchange are embraced and celebrated. technological achievements of the times had a profound influence on the wider world, shaping the cause of human civilisation. in this modern finance world, we must also strive for excellence in our actions. as the world population is getting more technologically adept, it presents to us the opportunity to do good efficiently, to create more impact and values in finance and to better serve maqasid shariah. on this note, i wish everyone a beneficial and productive summit ahead. thank you. 1 compound annual growth rate 2 global islamic fintech report ( gift ) 2022, dinar standard and elipses 3 global islamic fintech report ( gift ) 2022, dinar standard and elipses 4 / 5 bis - central bankers'speeches 5 / 5 bis - central bankers'speeches