James Kwezi is the digital financial solutions intervention manager at Access to Finance Rwanda. James believes that digital financial services have the potential to transform the lives of all Rwandans. Firstly, a more nuanced tactic to the challenges surrounding the financial sector need to be understood. Secondly, a market system approach needs to be developed and implemented to meet the challenges identified. The benefits of digital financial services for individuals, businesses, and the public sector, go beyond access to credit, savings, and faster transactions. Digital financial services will grow the entire economy by enabling smarter investments and resilience to economic shocks. The challenge of availing digital financial services to all Rwandans is immense however, James welcomes the uncertainties and the long journey ahead.