[OoTheNigerian]

Hi Benoît & Avi,

As part of my advisory business, I've seen a few companies tackling this in Africa. My biggest question has been, isn't this a "feature" than can be deployed by the existing Payroll companies?

These days we have a lot of Credit As A Service companies. Why can't a Payroll service connect to them and provide this service as an add on.

To summarize my question: can your innovation get distribution before the Payroll services get (this) innovation?

Or wouldn't you inadvertently have to encroach into that space eventually?

Or do you see yourself extending towards the credit side of things?

All the best!