for your tremendous efforts. what we will learn together today will be an important stepping stone in thailand ’ s journey towards sustainability, the journey that will improve thailand ’ s financial resilience ; limit financial sector ’ s negative externalities on our environment and society ; and address our common challenges for the quality of life of future generations. last but not least, the sustainability of our financial sector depends on the sustainability of public trust. we need to repeatedly remind ourselves that the sustainability of public trust can be upheld only when the financial sector looks far and wide beyond their immediate responsibilities. thank you very much. 7 / 7

##net to ensure the simultaneous delivery of us dollars in hong kong and thai baht in thailand in order to eliminate or mitigate settlement and counterparty risks. the link operationally started since 28 july this year. aligning with cross - border payment innovations, growth of it investment is another matter that the bank of thailand has promoted and monitored. the widespread adoption of advanced technology in banks ’ key systems is to advance efficient internal operations – big data analytics for processing customers ’ information to analyze customers ’ behavior and cloud computing for allocating it resources, and to provide products and services through online platform such as mobile electronic data capture, net bank, virtual card, near field communication contactless, and etc. however, many people, especially in the baby boom ages, have not experienced the online banking services yet, partly because they have concerns about security. so it is our job to secure them. bot has continuously promoted online banking systems and are aware of their risks and impacts at the same time since we believe that no matter what we have in online mode, they are all connected. as digital banking products thrive, so do the competency of cyber threats. in banking banana survey this year indicated that technology risk rose from no. 18 in 2012 survey to no. 4 due to a high increase in the frequency and sophistication of cyber - attacks. financial institutions have exposed to all risks of technology security : access risk, accuracy risk, availability risk, and agility risk. concerning the systemic risks, the bank of thailand as a regulator established the it principle called “ sia ”, which stands for security, integrity and availability that covers infrastructure protection at the prevention stage of both physical and logical controls : cctv / access control ; firewall, ids / ips, antivirus and password, respectively. in the arrangement of contingency plan, all systems will be tested or reviewed regularly. furthermore, key risk indicators and risk tolerance will be closely monitored, and loss data collection will be reported to the board of directors and the bank of thailand. lastly, the bank of thailand has to correct the it contingency plan implementation. additionally, market conduct will serve as an alignment to each stage to determine customer protection by sharing correct information and suggestions to customers ; and by interacting with customers ’ complains. as a central bank, we wish to support more on inter - operability for both wholesale and retail which is a part of standard setting i mentioned earlier : for example, standardized codes for all banks