Business through technology, a strategic tool adopted by our company is transforming the existing process into a competitive advantage for the convenience of the customers and the company as well. Varam Capital is going digital soon with the help of its Varam App. The goal is to create paperless and cashless processes assisted by a sophisticated psychometric assessment and credit scoring engine, which not only improves our operational efficiency, but also help us understand the creditworthiness of our borrowers and provide us the ability to up sell individual loans to our deserving customers. Varam app comes with an integrated Voice Biometric solution to facilitate easier and safer customer transactions. With Varam Digital effort, we are also enabling mobile wallets for our clients, thus enabling them to participate in the cashless economy.