I think that depends on the ratio between detected and undetected fraud. Some fraud will only be detected once they find no one to pay for loans, or when the pe

I think that depends on the ratio between detected and undetected fraud. Some fraud will only be detected once they find no one to pay for loans, or when the person being collected has go thru an insurmountable bureaucracy to prove they never enrolled it. Given the evolution of the technology, I’d say 0.21% is neither static and guaranteed to raise significantly in the to near future if the identification issues don’t get solved overnight.