is to maximize incentives while minimizing the negative impacts caused by the mass tourism industry. Tourism is an essential driving force of economic growth. For example, prior to the disruption caused by the pandemic globally "travel & tourism accounted for 1 in 4 of all new jobs created 10.6% of all jobs (334 million), and 10.4% of global GDP (US$9.2 trillion)” In 2019, activities associated with tourism accounted for approximately 2% of Canada's GDP and generated about 750,000 jobs" Travel restrictions from the pandemic contributed to a decline to 1.1% of Canadas GDP in 2020 The integration of cultural heritage in sustainable tourism can enhance the living standards and improve the income of the local people It can assist in stimulating the economy especially in rural economies by encouraging the demand for agricultural produce and through infrastructure development can increase capital into these areas. Sustainable tourism can embrace and strengthen the local culture. A strong foundation in the preservation of cultural heritage can lead to greater awareness and pride in the history of the civilization. Culture plays a crucial role in tourism it is estimated that cultural tourism accounts for "40% of all European tourism, 4 out of 10 tourists choose their destination based on its cultural offering”. Sustainable tourism encourages economic growth while preserving artifacts, historical sites and local values. Target 8.10: Universal access to banking, insurance and financial services The official text for Target 8.10 is: "Strengthen the capacity of domestic financial institutions to encourage and expand access to banking, insurance and financial services for all". Target 8.10 has two indicators: Indicator 8.10.1: Number of commercial bank branches per 100,000 adults and (b) number of automated teller machines (ATMs) per 100,000 adults Indicator 8.10.2: Proportion of adults (15 years and older) with an account at a bank or other financial institution or with a mobile-money-service provider The outbreak of the COVID-19 pandemic in 2020 has reduced the growth of every economy in the world, including every sector like banking, insurance and services. Other sectors such as tourism, are also facing challenges and the GDP per capita is expected to drop by 4.2% this period. On the bright side, in over 130 countries, the digital cash transfer programs, mobile transactions policies and regulations have been improved during the pandemic. The need for people to get quick cash and also make cashless transactions – while still maintaining social distancing –