 He manages the South Asia business along with many other verticals. He is going to talk to me about how the small and medium businesses are adopting the digital payments infrastructure provided by his company and his peers and how the ecosystem in India has completely changed from his point of view. There's a real transformation that's happening. If you look at globally the trends, the e-commerce business for example as one vertical is going to grow from 1 trillion to 50 trillion in the next three to five years. And nearly 45% of the buyers are going to buy from global websites which means that half of the buyers are potentially a target segment for us, sellers in India. And how do we do that? How do we go to new markets? And Pionier for example, though we are a cross-border payment company, we really believe that we are at a pedestal where we can help people really chase these markets, get into these markets and we work with 2,000 plus marketplaces, name them. Amazon, Lazada in the East, we talk about Linio, we talk about CDIS count in France. We work with all these marketplaces and we have the ability now through a very programmatic approach to take sellers there. What we do is we enable multi-currency, multi-country accounts for them and instead of one international payment transfer, it's two local transfers. So they get paid locally in that country currency and there's a large Pionier pipe which brings it to India and then deposits in their local current accounts over here and thereby reducing the cost. So today what only large companies could do, Pionier with our platform has got parity for even small entrepreneurs to go and unleash the same level of sophistication in payments and other systems that we can do. Another level of ecosystem that you got into is adding more features. So today a merchant can offer not only a bank transfer as a method of payment to collectors' monies, but he could offer card, he could offer e-check in the US. So there are much more features and functionality that we bring to the table and what our customers really love us for is the ecosystem we built around it. So if you're an e-commerce seller, then you need logistics. So we've tied up with DHL, India Post and some of these companies which is seamless for them to send their parcels out there or do the fulfillment out there. If we talk about entrepreneurs who are doing software coding for example, we've tied up with Zoho or QuickBooks where automatically whatever money they get and get actually mirrored and reflected into their accounting software as thereby taking the pain out of the SMB of doing multiple tasks all by himself. Tell me that with the SMB's and of course your startup, do you feel that there is a dominant players like PayPal who dominate the bigger share of the pie and for you to onboard merchants is a bigger challenge and how do you look at mitigating this? So to be fair, PayPal and we are a little different in many ways. There is a little bit of overlap in what we do too but our strength lies in the fact that ecosystem I spoke about which we build around the seller or the service provider as we call it and that's something which nobody does today. Having ties with 2,000 plus market places globally and you name them Google, Facebook, anybody who wants to pay their suppliers they use us, Upwork, Fiverr and I can keep on adding names, Airbnb but the fact is that we've been able to kind of build a strong product portfolio with 50 plus banks, a lot of machine learning going into it to be able to really underwrite the customer. We approve the customer replication in one hour or much depleted in one hour and it's seamless all online. So that's something which our strength is and as we look at our customer base we have more than 4 million customers businesses are getting paid month on month with us. This is a large number. In India our growth rates have been astounding. We started in 2016 actually growing 1,000 plus percent year on year which is like and that's why I didn't want to talk about it because that sounds like you know really very very you know bragging or boastful but the fact is merchants are loving us for some of the things that we bring to table. We had an excellent first few years in India and we look forward to many more things right. Today when we talk to we are also representing some of these with government bodies so when we go to meet RBI we take these merchant pains to them and try to get resolutions. For example we just digitized something called as a FIRC document a document which tells the banks that this is the money that is coming from outside which really allows them to get the stops in making India so they get drawbacks they get tax benefits so that is completely digital nobody else has been able to do that right. So those are some of the things that we bring to the table and we are really proud of you know the way we kind of you know work backwards from the customer to make it happen for them. Are you accepting digital payments and to what extent? So we are completely digital payments and if the volume is growing by a thousand plus percent the number of people adopting it is also growing by a similar number right and if you look at the sheer number of people who have grown with us in the past three years there are people who are getting paid more than a million dollars a month today and why because they have taken digital in their stride because if they have to compete with some of the players globally there is no option for them and they love it. Businesses don't care about friction till the time they know how to solve for it and there is a greener pasture outside to go after. Businesses are very forward looking. I've never had somebody tell me I don't want to do this. It is sometimes friction full in terms of initial teething issues but they are very smart set of individuals probably they are not like you know educated in Ivy League colleges but if I look at their mental quotient or their business acumen they are super smart people they understand the value of digitization for sure.