Turning a customer obsession into retail credit, with Regan Adams

And of course, as you mentioned, digital has played a massive role.

You know, back in the day, people were just happy to get credit. Now, people are much smarter, they want things like loyalty, they want things like rewards, it's not just about the access to credit, they've got more choice. So certainly the space have become more competitive. The banks are still not there, but certainly a lot more non bank lenders have come onto the scene, people that are able to service customers quicker, faster, more efficiently than the banks.

And of course, if you look, now you've got products like buy now pay later that attracts specific segments of customers.