 Hi everyone, this is Sachit Manti, founder of Nikki.ai. The Nikki, they are building a virtual agent that handholds the maximum users in all their contracts. Now, let me just break this down. Nikki is a virtual agent. It's a conversational agent. It can drop you in your office. It's an agent, which means the user is very specific to what an agent does today. Most people in India, they go to an agent when they want to book a contract. They book a trade ticket for their next version they've been tricked with their family. They want an insurance plan and they want someone to help them assist with that purchase. They go to that agent. Nikki would be that agent. Nikki helps you with the best service that you want to achieve. And helps you make the right selection, get you the best price. And is your representative into the online ecosystem? Secondly, from a market standpoint, the focus is the next set of users who are coming online. There's a lot of people like you and me who are comfortable in English, who come from different markets, have been used to digital ecosystems for the last couple of years. They've been using laptops, desktops, and then to gradually move to a mobile ecosystem. That's not our users. Our users are the next set of users in India, who are now warming up to the internet ecosystem, starting their digital journey with their smartphones and are struggling to understand and adopt smartphones. Either it is because they don't trust them, they don't trust the ecosystem of English. Either it is because they need hands-on, they need assistance in their transactions. Or it could be because they're not comfortable with the language, they're not comfortable with the user interface. So we are building a conversational AI that will help this set of users to interact with the digital world without really having to figure out how it works. They can just talk to them like they're talking to themselves. This is the next segment of users who are coming online. People who today have been used to the offline experiences of cultures. That's a user base that we are targeting and what we really want to do is help them with the convenience that the online ecosystem offers without the hassle that they have to go through. In understanding the user experience in the online world or in understanding the languages that they have to learn or in the loss of assurance and assistance that they typically see through the online ecosystem. So what we are really focusing on is give them the same superior experience that they get in the offline ecosystem. More than 50% of the world are still to adopt the digital ecosystem. And if you want them to really jump from to a more superior user experience, it is best to do that with a conversation system because they get it, that's their existing user experience. Nikki, what we are really doing is that by making it simpler to use, by providing the user experience in their own language through a conversational method, what we are seeing is that the digital adoption is coming much faster and even from segments which are not using the internet today. And to do that, we have partnered with large pairs like Google Bay or Amazon Bay and have been using this partnership to get to a larger base of the audience who are still new to the internet. And through them, we are building coupled experiences where they are solving for the payments part of the problem and we are solving for the experience part of the problem. The world is progressing very rapidly and every time we are seeing new technology disrupting the current existing ecosystem and there are technologies like blockchain, AI or VR that is growing the base extremely fast and what we are largely seeing is that if you marry the technology with the right consumer problem, you can see massive white space that you can decide and a big opportunity for a lot. Specifically to conversational systems, people are actually building multiple use cases on conversational systems. For example, with Alexa, you can ask Alexa to play a song or with Google Assistant, you can ask questions and with Nikki, people generally tend to do transactions and this is the use case that we are focusing on.