In terms of what decentralized identity can deliver, I think we are just seeing the tip of the iceberg, with the kind of initiatives we have seen around Digi Yatra and around blockchain based certificates being maintained at educational institutions and so on. 
But I believe the technology is kind of boundless in terms of what possibilities it can provide. We are, in fact, seeing a lot of interest globally, not just in India but across the world. 
We are working with one of the large central banks in Africa and they are looking at implementing identity based solutions using Quartz, to bring about transformation in the whole banking and payments landscape, in terms of bringing in greater financial inclusion and helping the unbanked get access to financial services. 
You know, that is primarily one of the limiting factors in terms of the average citizen not being able to access banking or any other kind of financial services. I think, these are pretty much straightfoward use cases, but beyond that we are also seeing a lot of interest in terms of D-ID based delivery for healthcare in terms of enabling citizens to share there medical records in a privacy preserving manner. 
Only sharing information which is needed for diagnostics purposes or with the hospital, instead of sharing all of the reports and all of the data. We are also seeing some very innovative examples of decentralized identity, in terms of holding all kinds of assets on a mobile based mechanism for exposing that with Zero Knowledge proof based cryptography. And these extend in terms of all asset classes as well as areas like intellectual property, or even in storing wills which can be exposed to lawyers and so on. 
So I think there is a lot of interest in terms of how this technology, decentralized identity can sort out and mitigate fraud, enable the organizations as well as individuals to establish Identity without really exposing all of the information, especially in the times that we now live in where compromise of personal identifier information can be really really tricky and result in huge financial implications. 
So a lot of initiatives that we are seeing globally from TCS perspective.
 
We are talking about SSI and SSI is also one of the primary challenges and when I say SSI, I mean security scalability and interoperability. So these typically are the key stumbling blocks which most organizations are dealing with and that is where technology companies really need to focus on in terms of how do they get past these issues. Whether this is in terms of enabling smart contract audits, having robust key management protocols, also a lot of training on cybersecurity and audit of the open source frameworks which are being used. 
I think all of these measures instill a great level of confidence in organizations as they embrance decentralized identity based systems. The other aspect is more from a governance or a business perspective. 
And this is where we see most of our customers trying to chart out their path in terms of how do they increase end user adoption, how do they make this whole technology, this whole ability to use decentralized identity more easily understandable for the average citizen. 
And we are really speaking about thousands and millions of citizens who may not be very tech savvy. So a lot of focus around training, familiarization of the protocols on how the whole thing works is probably one of the challenges that most companies need to also look at addressing. 
So this is what we are seeing from interactions with customers across pretty much diverse segments, because as a concept decentralized identity is really have applications across industry segments.
 
In the conversations that we have been having with industry analysts including Gartner and Celent, see some of the predictions point to at least 500 million smartphone users using digital identity wallets by 2026.
And we are just talking a year from now. And the number of transactions which are expected to be originated from digital devices is a mind-boggling 16-17 trillion. 
So with these type of numbers at play, I think what organizations and technology companies need to collaborate together is to really handle the scalability aspects, security aspects and interoperability that Mohit spoke about a short while back and work towards creating assets which can be reused just like the whole concept of digital identity itself so that these assets which can built can be reused, licensed and those efforts can be potentially saved for the larger good of entire community. 
So that's what I believe is the key focus area.