00:00In view of so many advertisements online,
00:03that are targeting the banks,
00:05that say, meet us, we can give you a bank loan.
00:08But they are not banks.
00:09So, to people like this,
00:11online or illegal mergers,
00:13what is the punishment if you get, for example,
00:15doing something online but
00:17they take the initiative
00:19to give it to the bank, but they are not
00:21giving it to the bank. So, what is the punishment?
00:23If we look at it,
00:25this is an important thing for us to handle.
00:28We feel that in our financial system,
00:33there are regulators that exist to control it.
00:36Anything that comes out of the banking system,
00:39the regulator is the one who controls it.
00:43Anything that comes out of the capital market,
00:45the superintendent is the one who controls it.
00:48And in the government's efforts to deal with issues
00:52that may not be ready to be controlled,
00:56there will be a capital credit that will come out soon,
01:00in the next year,
01:02where we will see how to control
01:04the giving of buy now, pay later.
01:08It will be easier for us to see what issues come out.
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