"So, data behavioural insights, they used loads and lots of industries these days. And I'm really quite surprised how little it's used in the enforcement industry. The use of data and the use of science to actually identify different capabilities or vulnerabilities enable you to target your approach a lot better. And what we want to do at Just is use state of the art technology, data and insights to ensure that our process is the most compliant and the most appropriate source. So for example, if we know the time of day a debtor is going to be at home, we target our work to make sure that we got it at the appropriate time, but also avoid times of inconvenience. So it's actually about the right service at the right time."