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00:00So Mushrek customers do about a little less than 30 million transactions a month on their cards,
00:06whether it's debit or credit or corporate. I would say about the other change which has
00:12happened is that about half of these transactions are online, which wasn't the case earlier. It has
00:17grown about five folds in, let's say, post-COVID or during COVID, right? The other thing which is
00:25very surprising that we are seeing is that, or maybe not that surprising, but I think the trend
00:31and the pace at which this trend is going is still incredible, is how much people are moving from
00:38using a physical card to a digital device like, you know, a card which is on their phone. And that
00:45used to be, let's say, half a percent of our spending. And now within, let's say, three years
00:51or so, it is more than 10% of our spending. So that's a form factor, I would say, which is really
00:58going up and continues to go up at a very rapid pace. So we are seeing high double-digit growth,
01:03high teams growth in our lending portfolio. It's growing quite well. We are very focused on
01:11taking up this rate to more towards doubling the rate that we are doing right now. And I think a
01:18large year over the next 12 months, let's say. And we want to move to, we want to increase the
01:24metabolic rate of our business so that we are booking a lot more clients. And I think that
01:28will happen because of all the changes in how consumers are borrowing today. So consumers
01:36earlier used to take big loans, right? And then they used to have very defined purposes in their
01:40mind. Today you can go online and shop for something and you can get a loan, a buy now pay
01:46later, installment lending instantly. And that's the area, that's the digital lending piece that
01:53the bank wants to get into.