Thank you.
My next question then is for Fintechs.
What measures are in place to protect consumers from unfair credit card practices? How do fintechs contribute to those protections?
The reason I'm asking this is that you made a comment earlier that competition is great. However, if there's a captured market and more people are going after that market, it might lead to diluting the criteria for creditworthiness and what kind of impact that would have.
How do fintechs contribute to the protections that would lead to people becoming over-involved in high-cost credit?