A broader philosophy could be formulated as working together in order to achieve better decisions. And as Jonathan mentioned earlier, these decisions should lead to fairer and more inclusive financial services and the world in general.

I think the topics of the past conferences and the forthcoming talks really reflect this focus on the final objective.

Yeah, of course they are are many purely technical talks about the new machine learning methods and new sources of data. And of course, you can't build credit scoring models without technology and without data. But there will be also papers focusing on fairness, my direction of research, financial vulnerability, affordability, over-indebtedness... climate risk is becoming a huge topic recently.

As we grow Smarter Loans, both Raf and I we're also learning about the lending industry and understanding that there's a lot more to it than just personal unsecured loans, than just unsecured business loans. So we started developing relationships, and then that got turned into motorsports and farming and equipment financing and buses and coaches. And today we have people financing aeroplanes and aviation. So it all grew over time.

And now if you look at it, yes, that's how we're able to say 60 lenders because they represent different verticals, you know, they're not all in like personal, unsecured loans, they represent a spectrum of different types of products and services.