Ankur Gaba

Yes, 100%. But let me tell you, excluding CRED, if we talk about Paytm and PhonePe, that is a payment app; that is not a credit app. So our focus is to create a credit app. So AkikoPay serves as an important pillar of our long-term strategy.

No, no. That will contribute significantly to our core business. And once engagement is built, we can compete with our peer partners, just like CRED, PhonePe and Paytm, because we are creating that payment structure right there as well.

That is absolutely the focus, sir. Now, consider this: if you make a payment of INR1 lakh through Paytm, you will not get anything. But here, you will get 1% flat. That means you get an immediate cashback of INR1,000. Because of this engagement, some customers may switch to us from Paytm.