And we have been able to kind of educate the consumer to utilize the kiosk and the self-service tellers and the chatbot, and we’re seeing 35% increase on the chatbot utilization. We’re really encouraged with how our customers are embracing the tools that we’re providing them above and beyond the brick-and-mortar. So as we look at the midyear and kind of reflect on how our investments in technology playing out, I think we’re in good shape. Now going to the future, we can’t stop. We live in a competitive market and we need to keep on making sure, again, from a customer perspective, what is the next thing, what is the next improvement and what is the next addition that we need to make. And we are working on a couple of those. I don’t want to get into the specifics for competitive reasons.
But in general, we have been working at this for the last two or three years. You guys have heard us say efficiency ratio is going to be in the mid-50s because we got to invest in technology. And we’re feeling today that not only it’s starting to pay out but it’s also the right path, it’s a confirmation. So that’s kind of how I feel about all this and encouraged with the prospects of us continuing to lead in terms of digital and leading in terms of innovation in banking in Puerto Rico.
Kelly Motta : Great. I really appreciate all the color. Congrats on a great quarter. I’ll step back.
Jose Rafael Fernandez: Thank you, Kelly. Thank you.
Operator: Thank you. [Operator Instructions] And we do have another question from Timur Braziler with Wells Fargo. Your line is open.
Jose Rafael Fernandez: Timur?
Timur Braziler : Good morning. Had you on mute, sorry about that.
Jose Rafael Fernandez: Hi, Timur. How are you doing?
Timur Braziler : Good. Thanks for the follow up. Just one last one on this last kind of thought process around the technology. Can you just maybe give us an update on where OFG is from a technology perspective relative to the other island banks? Is this kind of extending the lead that you already have? Is this playing catch-up in certain areas? Maybe you can sort-rank what you guys do best and then maybe some areas where the other banks might have a lead but you’re working to catch up.
Jose Rafael Fernandez: Yeah. I mean, I agree. We’re not in the lead in everything but we have, certainly throughout the last 10 years, not only positioned ourselves but invested in bringing new services and tools to our customers from a technology side. So how are we positioned in terms of technology? I think we’re well — very well positioned in terms of trying to execute on our business strategy, which is differentiation. We’re trying to differentiate from our competitors from the traditional brick-and-mortar strategy to more of a challenger approach. And we use technology and people as a way to differentiate. So that’s kind of how we’re positioned. And in that sense, this portal that we came up with and we deployed and launched in April, what it really does, it provides one place in our online banking platform to kind of achieve solving all your issues that you might have with — in one kind of place without having to call somebody or without having to go to a branch.
