So Simon talked a little bit earlier about us being impact focused since day one, and our pivot to our expansion into this HR space has expanded that value to include the actual employer. So we know that employees have this issue with cash flow, and that on demand pay can help them a lot. And we need the employer on board in order to do that, we have to go through the employer. And what we were finding is that, as Simon said, the employer wasn't seeing any direct benefit in it for themselves.

But if you actually just talk to the payroll team - the very people that you're trying to sell this on demand pay product to - very quickly you find out that they are really inundated with manual processes, and they spend their lives doing repetitive tasks. One of the biggest ones we found is payslips. So in the very early stages of this product idea, we came across a corporate that prints 18,000 payslips every single month, carrying them around the country to the various branches. And it just completely blew our minds that this was the case.

So here you had a market where we needed a little bit of cooperation from payroll in order to offer an on-demand pay product, but we had the ability to save payroll literally days of work every single month by taking those payslips and offering them on our exact same channel, which is via WhatsApp. And so what we found was that these two products were actually really complimentary, they could sit comfortably in one sale together.

So what I actually did was, I saw this potential for people who were underserved in a multitude of different ways to actually be empowered and take control of their own future through social impact businesses, which I think microfinance really comes under. And so what I started doing is leveraging my background in ERP solutions and tech platforms, and got involved in microfinance or banking tech platforms. And so it was really combining the two.

But what was really interesting was that, everywhere I went, despite the fact that countries were so different geographically and demographically, that I saw this underlying resilience and determination amongst people who just didn't have opportunities presented to them on a plate, and that given the right support, and the right tools at the right time that they could actually then forge their own futures, pretty much everywhere I was going, which was from Sierra Leone to Pakistan to Vietnam.