Is Credit Not Available to Thes Segment?

The idea was, how can we curate products for this particular segment to build that discipline of savings. They don't have the foundation for you to be able to give that in a manner that will make sense. First, build that trust with the user and then take them up the value chain. The only route to do it is to go wire the employer, so the employer guarantees and does the collection mechanism for you,. You're protected, and you're able to give them a product which you would typically give a much more creditworthy customer.

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