And, as I already said, there is a strong momentum in payments digitalization, and the increase in the number of accounts because of e-money [electronic money]. To many people, especially the poor, going to a bank-even if it is nearby-[is too much of a hurdle]. Just the thought of having to dress up to go there, no?
In 2019, 29 percent had accounts, and 56 percent had accounts in 2021. By the way, some people-like most people here-probably will have four or five accounts, but that [figure] is already factored in, the double counting. The increase in the number of accounts has been tremendous and is largely because of e-money.