Nir, for anyone who has not been as lucky as me to get to know you through the years, can you tell everyone a little about yourself and how you got to the seat that you're in today?

Yes.

Uh, I always like to start with a personal introduction.

So Nir, I'm a father, always comes first.

After that, after my daddy's duties, I'm an information system engineer.

And a few years ago, myself and my talented co-founder, which is one of the leading data scientists, uh, back in Tel Aviv, identified a few macro trends that are now taking a very big part in the story of what we do.

And the first one was the fragmentation of the financial services sector, which basically got us to the conclusion that, uh, financial services, in specific, uh, consumer finance, are coming in different shapes and forms.

Mm-hmm.