Growth from a small island, with Mark van Beuningen

It really started in analytics when I first joined. And I think for me, as you know, if you want to learn, strong analytics really helps you to make better credit decisions. So we really worked with Experian on scorecards, but we built out a very strong analytics capability in the business. I guess that goes from the data warehouse through to the frontend with dashboarding and all the analytical tools that you use, as well as, like the actual people capability that we bought in.

And it's helped us to understand our loan portfolio performance at a very granular detail and be able to tweak our scorecards very, very, very quickly to respond to to any credit risk portfolios to be seen. And it's helped us from a margin perspective has certainly helped us a lot to grow the business sustainably.