FinTech

I think this agree a little bit with that, Ali. I mean, I struggled with a lot of FinTech before saying that you should not apply some arbitrary rules at the beginning for a category that you don't know. And then you accept like this potential, this potential like lost. Because in the future, you are building your data assets and you are making the credit scoring more inclusive. But they completely agree with you that if you at some point want to launch a financial product, you should not just start minimizing the loss at the beginning because you are going to lend to the same people. You are not going to make the underbanked better served.

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