Rakesh Wadhwa:

I'm going to request you to look at five to 10 years from now assuming we are somewhere between 2025 203, how would you see the scenario for small retail shops?

Lloyd Mathias:

Interesting my thought on the small Kirana store, the neighbourhood convenience store is that that's not going to go anywhere in a hurry. The reality is that as a nation as consumers we still need the convenience, the rapport that comes with that. I don't think that's going to change in any dramatic manner. The mode of delivery how that transaction happens might step up a bit. So today it's really about let's say calling our neighbourhood kirana or having a running account with him. Some of that could change. Whether it is the hygiene standard that that he adopts, whether it's the online payment mechanism the fact that digital payments. Some larger disruption in the lines of just about the whole geo Facebook style like the possibility of having a WhatsApp account with your favorite janta store down the building. Perhaps you can just message him saying send a packet of salt. And you pay him online and the whole transaction happens. So whether there will be a rear of technology to speed up the process, yes that will happen. The convenience and the ability to service consumers need to know them personally to recognize emergency needs that occur in the last minute.

So who do you go to? Those things will not go in a hurry. So that's here to stay. That won't be largely transformed. Technology will bring an additional layer of convenience and fair play into that.