I mean, everyone has to renew their motor insurance every year and you have to go through those 60 questions every year, and in between three different platforms in trying to find a comparison, find the best quote for you.

And that was the frustration when I had to deal with those things.

I think where AI excels is in trying to emulate what could be a human interaction.

And, by definition, what we do, and specifically do for mortgages, is dominated by human interaction. Across the world - so we're talking not only about emerging markets, but developed markets as well.

You have mortgage brokers that talk to customers. They do simulations. They explain what the bank offers that they can get approved for, and so on and so forth.

So I think the real need here was how do you bring that human experience into a place where you have thousands of islands and very remote locations and where the people buying properties are not necessarily concentrated around the large cities.

Sometimes we'll talk to you like an independent team within a larger organization that has their own small budget that they can do for operational efficiency.

It's like, what do you want built?

We'll just build that for you. We don't need to jump through a lot of the regulatory hoops because we're not selling it as a product, right? They're just hiring us as an outside developer to build something for them.