Vybhav, your first 3 possibilities are “awesome” something, “perhaps” something and “secret sauce” something. Perhaps it’s magic too. We don’t know. What we do know is that customer transaction data could sit with either PhonePe or Yes Bank. So if they managed to migrate that in 24 hours, either it came from Yes Bank (which has collapsed and is being managed by an administrator) or PhonePe. If there is another source for the data, please let us all know.