Anubhav Jain

That number for us is around 80-85%.

Retention is 85%, which is, I think, okay.

At this stage, though, it should be higher because we are giving them credit at no cost.

But what we also see is that

Churn typically happens in three months.

After that, we don't see much churn.

So let's say I acquire you today.

There will be a 10%, 15% churn month two and another 10%, 15% month three and month four.

So that three months, we'll see a churn.

But after that, the portfolio pretty much remains with you.

They keep on transacting because somebody who has transacted for three consecutive months with you, they'll transact every month because it's a very sticky product.

Very soon.

A lot of our partners asked for it.

So this is coming out very soon.

Oh, that's a tough one to answer.

I'm actually excited about both right now because both are good experiments for us.

SaaS was something we discussed quite a lot because we thought, do we really want to be a SaaS company?

Do we want to be a more...

B2B payments company because BNPL is just a payment instrument, right?

For these businesses.