Transcript

We're, we're building a, a real time credit reference agency. So I kind of have to talk about that is it I am most excited over the next two years about building a real time credit reference. There you go. There's my, for my marketing person. No, we, we are, we are genuinely excited about it. It, it's a great driver of financial inclusion, preventing people from taking out credit when they shouldn't if they've just taken out something in the most recent period. But actually the again, going back to that identity piece, the ability for someone to build their identity, their representation in the, in the industry very quickly and build up positive payment performance very quickly is, is a, it's a game changer for us.