 Entrepreneur India is with Puneet Jain. He's heading business for payments at PTM. PTM has been a pioneer since a year now in the network that it has created in terms of payments and with its laser focus not only on consumers but also merchants. The game is going to be big for PTM believes Puneet. He's here with us and he's going to tell us why merchants are a key focus and what PTM is exactly doing to position and make the process of you know onboarding payment gateways like PTM easier. So first of all at PTM merchants is our life right. We work and breathe towards solving their problems in a more business friendly manner and we know that there are all kinds of businesses in the country from large businesses to SME to micro merchants and not everyone can begin the same treatment. So in terms of the way we onboard these merchants we follow a three-pronged strategy. First and foremost we have an enterprise channel where of course we look to have direct sales team enterprise sales team which works with large accounts and help them make their customized payment solutions to solve their unique problems in a most consumer friendly manner right. But that's like very small you can say in terms of number of merchants that doesn't address the large India the real India which consists of more than 40 million small and micro merchants. So over here we have built two other channels to acquire them. First and foremost we have built probably India's most seamless DIY platform wherein can merchants can come to PTM platform, PTM.com, PTM app, can sign up as merchant in a matter of minutes and get started. Doesn't require any human interaction, doesn't require them to share any lengthy documents which needs to be processed. If everything is automated, everything is seamless get started in a matter of minute right. And we have created several business friendly plans so that they can start accepting the payments at zero cost. So literally at zero cost we work with small merchants for their journey. Third is we also offer a large, we have a large distribution workforce which helps in assisted on-boarding. We know that not while we are growing in terms of how internet is penetrating lives of all Indians still lot of Indians and businessmen they may not be coming onto the internet so we go to them. So we have a large distributed workforce where we talk to a Kirana shop retailer and help them on board in assisted manner on PTM platform. How progressive and how open are merchants today to getting on board a PTM platform for facilitating their payments? B2B payments or B2M payments? It's been outstanding. I tell you from my experience I have been with PTM for close to five years and I think the way we have engaged the merchants we have understood the real problems that they have and as long as businesses address their real problems I think they are more than happy to embrace digital payments. They definitely understand the value of digital. It isn't like they only care about cash. They know the value of digital payments. They know that they also want to embrace this. This is the future for them. They want to be part of this digital journey overall and they want to capture digital in things beyond payments too. So merchants have been very more than forthcoming. I think as businesses our responsibility is to make solutions that address their needs and don't really go with a kind of a fixated approach that this is a product and we want everyone to reduce them. I think as to be able to capture and get the micro merchants all of them onto the digital journey we have to create solutions tailored to solve their needs. So the key is personalization and customization. Correct. Addressing different merchant segments in their manner which addresses their needs and not just go with a fixed solution for all kind of a...