So we had a different business model, we said, 'look, this is what we do. These are all the systems we do'. Now, you might be an individual at home, and you might have an apartment, and you're renting it out via Airbnb, or some other platform. So you want to do a check on your new tenant, to make sure that this person is of good standing, what system will you use? Because you're not going to be paying for 25,000 checks a month, it doesn't make sense.

So we went with a pay per use system where you can come in first verify that you are an individual, which we can work with. But once that is okay, then you can use our platform to do your individual checks yourself. For your own business purposes, let's say a customised KYC roadmap. So you can come in the system and you say, 'the checks I want to do are: an individual or first name, last name, date of birth, blah, blah, blah. So these are the compulsory ones, because without it, we can't give you a good result, and over and above I would also like a selfie with a handwritten note so that I know that it is relevant, and a video saying, "I would like to use your product", for example. So you select those, it creates a customised KYC journey for you, you can white label it, put on your logo, or your name or your product. So a person knows that he's doing this KYC for you. And then he will also get access to a portal where he can come in and see the data that he submitted in retrospect.

To authenticate a document is just one step of the entire digital identity verification. The next step is to identify if the person was a live person, no, the liveness detection to compare the person against the document. There are some industries or some financial institutions that ask more than that, for example, proof of residence, you know, you can upload a document, we can authenticate any type of document, like a utility bill or bank statement to make sure that the address that is on that document is your residence address, in order to do any business now.

Or if you want to open an account in United States, and you say that you are here in Miami, you are a Florida resident. It's not only that you are a USA citizen, but you need to prove that you are a Florida resident. So we can authenticate the proof of address, we can authenticate any taxpayer document like Social Security or bat at this point, you know, it can be as simple as just do one step simple one step like for the car rentals.

And what we shouldn't forget is that, you know, the banks don't want fraud to occur. They don't go looking for that. And they're spending huge amounts of money to defend and protect against it. And trying to balance that with making sure that the service they provide to customers is convenient and easy because you just talked about the frustration of being stopped from getting access to something when that happens, they don't want to inconvenience you, or they also don't want you to be a victim of fraud. We shouldn't forget. And it sounds like I'm a massive supporter of banks, and I am to some degree, but I often read articles and I think the article is completely ignoring the fact behind all of this there's a bad guy, there's a fraudster who's gone out and committed fraud, committed deception. They've taken money out of that, or whatever it might be, the bank didn't ask for that don't want that. I'm just trying to protect against it.