Q in, in a perfect world where, um, you know, with years and years of history that you guys are building, and you're getting, you know, more and more data sets, and you're able to make better better loans, is there, is there any reason why you couldn't just conquer the entire industry? I mean, is there, is there, is there a limit to how good all your models can become?
A Well, I think, I think one, one thing I'd point out is you're, you're mixing small business and business lending with consumer lending, and they really, there are many things that make them different, um, uh, from the data sets that you work with, and, and, um, and then the other thing that's very different is, uh, US lending versus emerging markets. And there are hundreds of millions of people moving into the emerging market middle class, educated, hardworking, that essentially, as far as the, as far as the traditional, ah, financial services are concerned, they don't exist. So, um, you really have to look at it across, you know, really as four different segments, ah, and I think there's, there's different opportunities to introduce radical efficiency into all of those.
AI assessment note: “you really have to look at it across, you know, really as four different segments”