We’ve create a technology platform that delivers for instant decisioning which will be crucial for our clients because our clients canвЂ™t wait a couple of days just like a bank client can for capital. They want their funds at the earliest opportunity and additionally they require a determination quickly and a decision process that is simple. What weвЂ™ve done isвЂ¦as I stated, we danger score the clients coming in the door with this proprietary danger analytics after which price to this danger after which our guarantee is the fact that centered on effective payment history, that that price will go down as time passes.
And while this is certainly taking place, weвЂ™re reporting to credit bureaus, weвЂ™re supplying free credit monitoring, free economic literacy tools and just just what weвЂ™re hoping is thatвЂ¦this is our motto, is we should be good today and better tomorrow for the clients, you want to have good product thatвЂ™s a great competitive substitute for real life products which they’ve been entitled to, but additionally assist them be better with credit with time, assist them to build up their fico scores, lower the price of credit. And, ideally, a number of the clients will graduate away from ultimately our items.