agree bud.
the thing is these penniless bums are so vast in numbers its a force of its own and growing by the day.
my thoughts are that as mentioned if apt doesnt change or innovate their product will become less significant.
can see already the likes of humm openpay and so many others are fighting over innovation while apt may be staying a bit too comfortable at the top atm and it may become too late to fix like apple vs samsung.
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