The government needs to invest in raising digital fluency of its citizenry.

Digital fluency can accelerate progress.

Digital fluency is about basic skills.

Digital fluency... is literally your ability to do things like banking online, to connect with people, to use a device and the Internet in a very easy way.

It is very hard to transform your culture and your workforce to be a relevant company in the digital world if all of your processes are stuck in the traditional world.

The government needs to allow domestic banks to learn how to invest overseas.