please answer this, thanks

Peer-to-peer lending is becoming increasingly popular in Indonesia. In 2017 Fintech revenues in Indonesia could reach USD 237 million. There are four major players in this sector. Uang Teman lead the market with 46% share. Kredivo is in the second position with 20% market share, followed Pinjam (18%). And in the last position is Akulaku with 13% market shares. Suppose you were working in a financial company that has intention to expand its business into P2P lending, and your task is to make a recommendation regarding P2P market concentration based on four-firm concentration ratio and the Herfindahl-Hirschman index (HHI). What would you recommend your manager ? (hint : calculate four-firm concentration and HHI)