The development of consumer lending, hmm... are you directly creating banking products or lending to individual clients?

Yeah, of course, with an incomplete higher education, you can come up with banking products;)
We already have great strategists doing that. By the way, our bank's work is somewhat similar to the activities of the Nival Interactive team – they came up with cool, original features, advertised them, implemented them, and attracted customers (do you catch the parallel?:D), and then, literally a month later, they canceled everything:D... consequently, they lost demand and the opportunity to take leading positions in consumer lending, although the prerequisites for this were there.