 Hello, everybody. I'm Olucia La from Irofit Technologies. In Irofit, we have small businesses to grow their business by accepting cap payments in real time even when there is no internet connection. Assuming you're walking down the street of Lagos with your daughter on a sunny day and you want to buy an ice cream for her, but when you get there, you cannot buy it because either the merchants does not accept cap payments or there is no POS at all. In Irofit, we help these small businesses to grow their business by accepting cap payments in real time even when there is no internet connection. Over 75% of transactions failed in Nigeria because of this problem. In Irofit, we provide all our merchants with a mobile point of sale system and a basic Android application whereby the merchants can pre-populate the product to make checkouts faster. We also provide them with a basic analytics whereby they can see the trend of their sales, the best selling day, the best selling product all from their mobile phone. And we have a patent for this technology. We are better than other people because we are convenient and we increase their sales. In Nigeria alone, over $126 billion was spent in payments in merchants' locations. And this market is growing by 69% yearly. We charge a percentage of this transaction, 0.75%. And since we come out from pilot, we've been growing by 100%. Month on month, and we are increasing their sales. And most of our merchants are increasing their sales by 75%. So our funding team, we have this team. They have knowledge of payments. They have knowledge in the market. They have knowledge of product development. We are partnering with major banks. We won the FinTech Challenge that was organized in Africa. So we are the winner of the FECO Bank FinTech Challenge. So we are partnering with EcoBank to operate in all their territory countries where they operate in Africa. We all know that the future of banking is digital. That is why most of the banks in developing countries are closing down their branches to embrace this digitalization. I'm Olu Shela from IROFIT Technologies. We are helping small businesses to grow their business by making payments easier and convenience for them. Thank you. Great timing, and now four minutes for the jury. Thank you very much. You've been around at least for a few years now and developing. So how well have you developed for those goals, especially in Nigeria? Yeah, we've been growing 100% month on month. And we are increasing our merchants 100% every month. And how big share is that locally? Can you measure that somehow? I don't have the percentage at hand. Thank you. I had a question just about why credit card payments, because we might be naive, we might not really know, but mobile money and PESA in Kenya at least, how penetrated is that into Nigeria? Is there an opportunity for cards still, or are things going to skip over cards and go straight to mobile payments? There is mobile money in Nigeria, but they are very small and they only interact with person-to-person changing of money, not mainly in SMEs. And we are into small businesses, and we accept any type of card. Once you have your master card, then you can make payments. As a master card, PESA or VEV or any card that you have. But mobile money is mainly to person-to-person. Another question on that. So with the point of sale, can you use that and add analytics for all types of payments, or would you actually require different ones? Sorry, I didn't get the question. With your point of sales, can the merchant use that for other payments as well, or would it require them to have different point-of-sale systems to accept cash or mobile payments for example? No, from a mobile app you can also record any other type of payments like cash or anything, so you don't need to try anything. Thank you. And obviously, I guess you were modeled on what Square and Izettle and others have been doing in some of the markets here. Do you think they will go... Is your product differentiated because you're focused on Nigeria or do you have a differentiated product for that market as well? I mean, if Square wants to set up in Nigeria tomorrow, would they be directly competitive? Yeah, our technology is unique because there is internet in Nigeria but the internet connection is unstable, so that's the problem of most POS machine. So we have this technology that merchants can accept cash payments even when this internet is not available at all. Because we cannot tell the internet can be available now because internet maintenance is not available. So we are ahead of the market and we have the knowledge of the market also so we can execute faster. How are you working out that these small businesses really want to take credit cards? What makes you actually realise that they want to? How are they approaching you? What sort of pain are they experiencing? Okay, presently we have a lot of merchants that have applied already to get these payments because we need cash, because we are raising funding at present and there are lots of them that want to accept this and because even the government is encouraging card payments, they are encouraging this so everybody is aware of that and people want to move on. And the people that are buying also, they want to be able to have this freedom. They don't want to be carrying cash everywhere so they want to be able to go to the merchants and just pay with their card easily Okay, we are running out of time but quickly I love obsessed customers so could you give a short case example of who is using and loving your product? Okay, there are customers that have contacted us concerning these merchants, concerning these products and one of them was even happier because he was able to increase his sales. He was able to manage the case that merchants was talking to us about that he was able to see that on Tuesday is the best selling day for her so he just reduced the number of staff that he has on Tuesday and other days so that they can improve the sales on Tuesday. And indeed running out of time thank you so much IROFA Technologies all the way from Nigeria. Thank you.