Yes, Amit, this is what we have observed too, though it may not remain true as smartphone penetration increases and a few exceptions do exist already. But for now, what we do want to learn more about is how can fintech firms structure their business models for these contexts. Physical infrastructure and staff-time can be too expensive for this customer base and for their remote locations. So how can firms set up the right partnerships, and slowly build customer trust in digital/remote interactions?