 B2B space for payments is actually helping e-commerce companies and I'm going to get more from Akash on, you know, how the experience of digital payments with e-commerce companies is and how does a company like Cache 3 mitigate the issues that are prevalent in digital payments. Hi Akash. Yeah, thanks Ajay. You know, when you talk about e-commerce, I want to buy from Club Factory, I want to buy from Nica and I want my payments to be absolutely seamless. Tell me what is the USP you bring on the table? Why should I not select XYZ but Cache 3? Correct. See, I mean, in terms of payments, right, I mean, and especially in online, people have, you know, like expectations, right? If you're trying to pay to someone, you expect the payment to go through. You don't want any failures. Right. But as of now, even though UPI has picked up or other modes have picked up, but they still have very high failure. But because people who have created the infrastructure payment modes, they did not, you know, took like customer experience as a priority. Right. That's why we as an enabler get a lot of heat from the customer and the business. Right. So our approach is more towards how do you build the underlying stack so that we can like, you know, make the payments more successful, right, rather than having high failure rate. The downside is like, you know, you'll not, you know, come to the online payment space fully, right, you'll still go with the Cache mode. And again, it's a loose, loose, loose for the merchant. Also as a customer, I mean, it's a kind of inconvenience too. Right. Right. Second thing is, so a lot of times when you pay online, say payment has been gone through, but you have to, you know, cancel order e-commerce store, right, or you have to do some changes and all return the product. But at that time, you have to wait for like long time, say seven or 10 days to get your refund back. Right. That's also kind of discourages you to pay online. Say if you order something COD, if you cancel something, it's okay. You are not losing anything. Right. In this case, you are, you know, being parted from money for, you know, 10 to 15 days. So you're also aiming to how can you make refund more instant as soon as you say like, take the product back, companies will be able to give their money back to you. Right. So this is how we're helping businesses provide better experience to their customers. It's also like making customers more inclined towards online payment. You know, our cards are multiple players in the market right now. How, what is the differentiator that you have and, you know, how are you looking to grow your business? Sure. See, most of the players have focused, you know, just on the merchant acquisition part. They're using that stack, what has been made available by the banks. That is one. Second, they haven't, you know, really, like, risen the bar in terms of customer experience. Right. So we like, you know, we are handling both the sites. The customer experience that we just have, you know, like mentioned, this will help us, you know, like, not just acquire merchant or get it from the competitor. This will also help us to increase the market size of the online payment. Right. Say you are a, you know, like a small village or some tier two, like, you know, citizen, you come to say Flipkart and trying to pay something or say, you know, your payments fail or refund got stuck. Right. So you'll be kind of reluctant to pay that next time. You'll say, I'll stick with the cash. Right. If we can make the entire experience smooth, then we can, like, you know, make more people come to online. That is first. Second is we're also investing a lot on the underlying stack. Right. So right now we have started writing pieces which, you know, powers UP. It's not just a merchant acquisition part. We want to also improve this so that we can reduce the overall kind of, you know, failure rate and make system more reliable and robust. Do you think that, you know, players like you will dominate the market in terms of, you know, e-commerce digital payments? Or do you think the Amazon base, the Google base and aberrations and the two big giants that eat up the pie and don't let the survival of other more efficient players? See, we are a, yeah. So we are a payment aggregator. Right. So we see Amazon pay and Google pay not different from Visa and Markets. Right. So we kind of categorize them at the same level. We don't see them as competitor. We see them as a partner. Okay. Right. So as a business we want to expect Visa or Mastercard, even Amazon pay phone pay to come to catch me. You don't have to directly go and like, you know, have agreement with these guys.