Embracing Fintech

PAC Fundamentals Driving Growth • . • Strong Governance Democratic countries with open economies Independent central banks with inflation- targeting regimes Free trade agreements and free-floating currencies Business-friendly environments . Sound Macro Environment Diversified economies with solid GDP growth Resilience to economic and political cycles • Relatively low · debt/GDP ratios compared with OECD and emerging-market economies Increasing adoption of banking services • · • • . Favourable Demographics 234 million people with median age of 30 years Rebounding domestic consumption Increasing exposure to Asian growth markets Among the fastest growing smartphone markets in the world Considerable growth in middle class 29

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