Exhibit 7 Digital finance: Transforming how people transact YMENTS N A E AL P TWO DIGIT RK Bank RECEIVING PAYMENT Digital Salary remittance from from son employer Loan from Online a P2P transfer of platform government Payments subsidy Fintech provider company Manage digital wallet Receive investment advice Online Convenience grocery store shopping purchase Family’s Daughter’s utility bill school fee MAKING PAYMENT Telecoms Retailer company SOURCE: McKinsey Global Institute analysis 32 McKinsey Global Institute 2. The power of digital to transform finance