English: There is such a lack of confidence at the moment, particularly among older people. They've been trustees in our village halls, they've been volunteering in activities, and now they fear getting involved again because of all the legalities, all paperwork they'd have to fill in. So, that's a concern for us. We do some hand-holding, and we walk shoulder to shoulder with them on this journey. The banks have made our lives exceptionally difficult over the past 12 months: HSBC have started to charge for all community accounts; a number of banks have closed; face-to-face services have disappeared; you're almost forced onto online banking. And we have a number of people across Wales who don't have the technological resources to do that, or don't have the confidence to use that technology for online banking. And, therefore, they can't see which utility companies offer the best rates, for example. There are farmers who fear filling forms online because of their lack of confidence and lack of understanding of the technology. And I think we really need to look at investment in technology, but also to help those people who can't access this, people with additional needs very often, who don't have access to technology. And, during COVID, one of the things that happened was that the libraries closed down, and that's where people could go to use the technology in their communities, if they didn't have it at home. So, I think we are on a journey, a vulnerable position as we move towards 2022, but we are confident. We are trialling a number of hybrid activities at the moment. And we had the winter fair that's just been staged in Llanelwedd, and the hope is to have the Royal Welsh Show, the Eisteddfod, the Urdd Eisteddfod. Everyone wants to see those events, but events that are held in a safe manner.
Welsh: Mae gymaint o ddiffyg hyder ar hyn o bryd, yn enwedig ymysg pobl hŷn. Maen nhw wedi bod yn ymddiriedolwyr ar ein neuaddau pentref, ar weithgareddau, a nawr maen nhw'n ofni ailgychwyn oherwydd yr holl waith deddfwriaethol, papurau sydd angen iddyn nhw eu llenwi. Felly, mae hwnna'n bryder inni. Rydym ni'n dal llaw, rydym ni'n cyd-gerdded ar y daith yma mewn ffordd. Mae'r banciau wedi gwneud ein bywyd ni yn andros o anodd dros y 12 mis diwethaf yma: HSBC wedi dechrau codi ar bob cyfrif cymunedol; nifer fawr o'r banciau wedi cau; gwasanaeth wyneb yn wyneb wedi diflannu; bron â bod gorfodaeth i fancio ar-lein. Nawr, mae gyda ni lot fawr, fawr o bobl ar draws Cymru sydd ddim ag adnoddau technolegol, neu sydd ddim â'r hyder i ddefnyddio technoleg i fancio ar-lein. Ac, felly, dŷn nhw ddim yn medru gweld pa gwmnïau cyfleustodau sy'n cynnig y radd orau. Mae yna ffermwyr, mae yna amaethwyr sy'n ofni llenwi ffurflenni ar-lein oherwydd eu diffyg hyder, eu diffyg dealltwriaeth nhw. A dwi'n credu bod wir angen inni edrych ar fuddsoddi o fewn technoleg, ond hefyd helpu'r bobl yna sy'n methu, pobl ag anghenion yn aml iawn, sydd ddim efo'r mynediad at dechnoleg ychwaith. Ac, yn ystod y COVID, un o'r pethau ddigwyddodd oedd bod llyfrgelloedd wedi cau, ac yn fanna roedd pobl yn medru mynd i ddefnyddio'r dechnoleg yn gymunedol, os nag oedd e gyda nhw yn bersonol. Felly, dwi'n credu ein bod ni ar siwrne fregus tuag at 2022, ond rŷn ni'n hyderus. Rŷn ni'n treialu lot o weithgareddau hybrid ar hyn o bryd. Ac eto, y ffair aeaf newydd gael ei chynnal yn Llanelwedd, a'r gobaith nawr yw edrych ymlaen at y sioe a'r Eisteddfod, Eisteddfod yr Urdd. Mae pawb am weld digwyddiadau, ond bod y rheini yn cael eu cynnal mewn modd gofalus a diogel.