Ann: Investor Presentation, page-153

If the territories they mentioned in the roadmap includes the entire SEA region then I think growth by acquisition is the most likely course of action. I'd imagine they would look to acquire strategic businesses across the region to grow as rapidly as possible because speed is going to be very important for getting an edge over the competition.

The differentiating factor is how they will acquire data to complete credit validation in different countries. This is critical in serving the unbanked portion of the population. We've seen what they can do in Malaysia but we really need to see them replicate this process across each of the territories.