“If you automate in [28:33] business, things will be more efficient. We thought we have to improve the operation of this microfinance business first, and then we apply technology to further improve the efficiency of the operation. We thought that “Yeah, we can hire a tech person after three years.” The thing is that if we don’t have any tech person, the global direction of the operation or improvement, or even the selection of core banking system, for example, we made a lot of mistakes, which we could have avoided if we have a tech person in our team.”