. in order to have a responsible approach in this regard, the bank of albania has approved the strategy on financial education and inclusion ( boasfei ). this document, as compiled in compliance with the best international practices, makes official the efforts of the bank of albania in promoting financial education as a public good for everyone, for bolstering financial inclusion, consumer protection and increasing financial welfare of individuals as well as the stability of entire financial system. we are pleased to share this objective with various public and private institutions and organisations engaged in the area of finance, education and development, which focus their work on the enhancement of financial literacy. the common work may transform the bank of albania strategy on financial inclusion and education into a national one, which would coordinate at a national level the initiatives of all stakeholders, driving to more tangible results. i am optimistic that we will reach this objective sooner rather 2 / 3 bis - central bankers'speeches than later. the activity today is part of this strategy'the action plan, allowing these important collaborators to present and display their work and projects and coordinate their visions and objectives. as we work together for accomplishing these common objectives, a special thank is addressed to public institutions that adopt policies which promote financial education and inclusion ; financial institutions that develop and provide all - inclusive financial products and services ; educational institutions which integrate financial education in their curricula and programs ; non - government organisation that work in the field to educate and empower their communities ; as well as the information technology companies and fintech innovators who work to digitally transform the financial sector. before concluding, i would like to express my gratitude to the world bank, seco and the swiss embassy in tirana, and absolutely the albanian government, as they are important partners in the process of drafting and implementing these challenging projects. together, we could build an inclusive society in a financial manner, where each individual can develop and realise its own potential. thank you! 3 / 3 bis - central bankers'speeches

the acpr with representatives of digital asset service providers ( dasps ) on theapplication of anti - money laundering and counter - terrorism financing ( aml / cft ) rules to the cryptoasset sector. as you have understood from these examples, at the banque de france and the acprwe cannot envisage taking action without interacting with the innovative financial ecosystem that you largely represent. 3. this brings me to my last point : what are the challenges that we must not miss collectively? i would particularly like to emphasize here the issues related to the regulatory framework for the transformation of the financial system. the digital finance strategy published by the european commission is already a year old and the roadmap includes many useful and structuring projects for the future. already, the discussions on the mica ( crypto - assets ) and dora ( operational resilience ) projects illustrate the need to reconcile professionals ’ knowledge and operational realities with the general risk control objectives in order to achieve the balance between innovation and financial stability that i mentioned earlier. from my point of view as a supervisor, progress still needs to be made on these texts to reconcile the necessary pragmatism and the necessary flexibility that the search for this balance implies with the requirement for risk control and the prevention of regulatory arbitrage. however, the projects that will be launched in the future are no less crucial. i have in mind, in particular, the framework for the development of decentralised finance ( defi ), for which the usual regulatory frameworks come up against the absence of easily identifiable issuers or providers in an environment governed by protocols executed automatically without intermediaries, and the absence of an appropriate jurisdiction for the services offered. in order to build trust in the financial industry of tomorrow, we therefore need to follow together a two - pronged learning curve : exploring the transformation potential of new technologies on the financial sector, and identifying the regulatory, governance and best practice principles that must accompany this transformation. in this respect, i cannot emphasize enough the relevance for us of the experiments that we have recently conducted with the sector, for our activities of putting into circulation the currency that we issue as a central bank, as well as for our activities as supervisor of banks and insurers. the banque de france thus performed nine experiments with “ wholesale ” central bank digital currency between mid - 2020 and today. as for the acpr, it conducted this year, following the publication of its july 2020 report