<h1>Digital Financial Inclusion and interoperable public platforms to expand access and secure data-driven financial services.</h1> The address sets a regulatory roadmap focused on five policy priorities-Digital Financial Inclusion; deepening Digital Public Infrastructure including a Unified Lending Interface; Consumer Protection and Cybersecurity anchored in data protection and prevention of dark patterns; Sustainable Finance with market integrity and technology-enabled traceability; and Global Integration via interoperable payments and CBDC cooperation-while advocating calibrated governance of AI, IoT and quantum technologies and promoting a regulatory mix of formal rules and Self-Regulatory Organisations to balance innovation and prudence.