The Indian FinTech ecosystem is deep and well-diversified with players operating across the spectrum of payments, lending, investments, and insurance. As a lender, we partner with several FinTechʼs across areas like customer sourcing, underwriting, fulfillment etc. The current pandemic has accelerated the engagement with FinTechs for many lenders including Dhanvarsha. If I were to answer this question in a single sentence I would say that Fintechʼs are not competition for us, instead, we view them as partners who help us build, deploy and scale solutions around low touch customer onboarding, high-speed underwriting, and digital fulfillment