Our evolution to a more modern, multi-product, multi-channel and digitally-enabled business is captured through our Next Gen strategy which sets out a clear plan to become the leading provider of financial services to underserved communities around the world. It encapsulates our vision to serve 2.5 million customers by continually innovating, digitising and connecting our business to deliver a better experience to our customers whilst retaining the human touch that has helped set us apart from our competitors.