because of the restrictions we have in Argentina. Um, uh, in the case of IUDU, uh, IUDU is, uh, is, is transforming itself from a consumer finance operation, uh, fully, uh, almost fully focused in, uh, in providing financial services credit card and personal loans to, uh, people, customers, um, uh, uh, who come to Chango- to the Walmart, uh, Changomas, um, Supermarket stores, uh, towards now, uh, uh, to a full digital service. And, uh, we, for, for our main goal now, now will be to attract deposits, retail deposits. And this will have a significant impact for us, uh, to, um, I, I believe, to, to lower our co- cost of funds and to have a more, much more sustainable business. And I hope, and I think it will impact a lot in, in, in the overall, uh, net, net income revenue of, uh, uh, on capital creation of Grupo Supervielle. I don't know if you want to add something on the FinTechs, uh, Alejandro? I think, I think you mentioned the key issue of funding and access to funding. Uh, I also think that IUDU has done a terrific job at, uh, enhancing customer experience and putting together a very superior product offering. And I think those two things, combined with the strength of, of the funding capability, will, will make a very strong, um, positioning in the market in the next quarters. Thank you, Patricio and Alejandro. Very helpful. Thank you, Ernesto. Uh, our next co- uh, question comes from Gabriel Nobrega at Citi. Hello. Good morning, Gabriel. Please go ahead. Sorry about that, um I was having some technical difficulties. So uh, thank you for the opportunity to ask questions. Um, my first question is actually on loan demand, if you could elaborate further, what's driving the higher demand which we are seeing? I know that you are saying in your press release that um it's due to the government programs, um focused on SME's, but I just wanted to understand if you think that we are at an inflection point where loan demand isn't going to start increasing? And then how are you going to be able to control your adverse selection in that scenario? And I'll ask the second question afterwards, thank you. Okay. We, in fact, I mean Gabriel it's real that we are in a very low point of loan demand, inaudible loan demand. We believe that it has maybe to do with the lack of business confidence and also consumer confidence. Um, so, um we need these signals to reignite the loan demand. Having said that, there are certain, um particular enterprises that are export oriented, and they continue to perform well in the economy, and they are… I mean we continue to serve them with uh different kinds of credit, particularly pre-export financing. Um, also there are enterprises that take advantage of subsidized loans to take leasing lines, where we are very strong in leasing, in order to replace equipment. Um, but uh… and for individuals I think it's the same problem uh, very lack… lack of appetite for loan demand. Um, what we see eventually, and it's interesting, in car financing. Because people see, in Argentina today, cars to be a protection of value, so used car financing is driving some… a certain number of loans uh at the bank level and also at inaudible. I don't know if you want to add on that, but I'm good. Oh, um, basically I would mention that what we've seen during most of the pandemic, until there was a turning point in which the economy started to pick up, was that the working capital of most jobs, of SME's and corporates, have been going down. So there is an effect of replenishing working capital as the economy picks up, and that's basically what we are supporting. In terms of the adverse reaction, which I believe is the second part of your question, we are focusing on first on our clients, and helping them take off and regain much of the economic activity. In many sectors we are seeing that the level of economic activity is back to pre pandemic levels, and in some sectors even beyond that. So the first focus is on clients that we know, in sectors which we operated on, and find a change that we work with. The other focus is really supporting a pick up in some export oriented sectors. For example, inaudible, which are really picking up, and are showing good progress too. So, we believe that there is significant room for growth from, as Patricio pointed out, very low credit inaudible levels. Uh in addition… in order to control, let's say, credit risk also, a large… for instance if individuals, a substantial part of personal loans, are given to individuals that collect their salaries in the bank, it's around 70 percent of all personal financing is… you know, with debiting their accounts at the bank. So, this also lowers, let's say, an adverse selection. And for enterprises or corporations, I also said in addition, in complement to what Alejandro mentioned, is that we continue to do a lot of cash flow, cash flow based financing. Which is by itself, you know, it's a way of controlling risk. Um, but inflection points, I think we need to wait. A truly inflection point, I think we will reach it in 2023, with a political change, in my opinion. All right, that's very clear, thank you. And I actually have a follow up from the previous question on the inaudible landscape. I understand you talked about Uala, and what I wanted to understand is that uh, you showed us that you have around 500,000 digital customers. Um, but when you compare with Uala, they already issued more than 2 million prepaid cards. And so I wanted to understand here, um is there a strategy from you, to grow the members of clients, maybe try to monetize them faster? Or are you still aiming at adding clients in a faster manner in the coming quarters? You want to answer? Yeah yeah. You know, what one thing that you have to bear in mind when you look at these figures Gabriel is whether these operations are making money or not, and how long it will take to monetize all this customer acquisition. Um, what we've seen in financial services is that recruiting science is not enough to be able to have a sustainable strategy of this time. This is why we emphasize in our strategy, the ability of having the right funding, particularly in the Argentine environment, and secondly, trying to have a, uh a principal or integral relationship, crossing several parts. We approach this segment with this more comprehensive view, and we aim absolutely at having this relationship of you know several products, with the right funding, to be able to drive uh growth. We believe that the cost to income proportion will be much better, and that the leverage we can have on our capital over a deposit base that we will capture, will allow us to scale adequately with a very efficient model. All right,