Ann: November YTD trading update, page-94

Yes I'm aware of that, in fact Z1P will have several revenue streams, not just from big data. But everything you've listed was known 6 months ago.

The only thing that's materially changed since Z1P hit all-time highs earlier in the year is the uncertainty of margins and by extension the uncertainty on cannibalizing their 4-7% margins. In fact, if memory serves me right the stock started tanking on the day the pay-anywhere product was announced (but don't quote me on that). Diligent investors will want to know how margins will be impacted. If there is no impact on margins, or more likely a small impact, in my opinion we could see the share price shoot up very quickly. But it's a big IF and we have to be patient to find out. Their half and full year reports in 2021 will provide more clarity.