I mentioned the work of an entity called the SME Finance Forum, which is part of the World Bank, as just one of many. It's done some really great work on understanding globally which jurisdictions are ahead and how they've helped key segments of the economy, like SMES, for example. It's looked at countries that have moved quickly on digitization and certification.
There really is a link between smart policy, the digital environment and the institutions—the public-private partnerships—that also enable it. I mentioned the puzzle piece in my earlier remarks. It really is a lot more than just the financing piece. It's all of the above.