Now, why did I make the choice to go to Kigali or to East Africa? One, the sister of my grandma lived in South Africa and in Zimbabwe, and my grandparents were there to visit them. And they came back with all these beautiful stories. And that sparked my imagination to the fullest, I would say. So in the past years, I went there on the holidays, and I decided to make that move, and to go there. And I really wanted to do something where I could bring my expertise and my experience, and having worked with the biggest banks in Europe, some of them even in America, gave me a good foundation to join Simbuka and to make lending simple, also for the people here in East Africa.

And so when we compare it against consumers that don't monitor their credit, we do see materially higher score improvements for those credit monitoring consumers, relative to the others, and does the active credit monitoring actually result in your score improving now there's nothing about looking at your credit score that causes your score to improve, it's not like every time I hit refresh my score ticks up.

But it's the same idea with joining a gym or a health club, the act of joining the health club doesn't cause you to improve, you actually have to show up and do the work, lift the weights and stretch and do the sweat stuff.