The fee is part of the charges implemented by our partnering payment service providers and the bank. Previously, Wahed had been subsidising the fee but as our investor base grows in number, it is more challenging for us to cover this fee. Nonetheless, we see value in the convenience that these payment processors bring to our clients and we strive to keep them in the app for you and we will endeavour to lower the costs in the future by negotiating with the respective payment partners.