Agree it's all about the data but how many companies are using the Spenda suite and what parts of it? Do we have the capabilities to use AI or machine learning to be able to dynamically assess loans and credit limits? It seems as though there are only a couple of big companies using it for the lending part of the software and not the payments/transaction side of the software. If there had been steady take up of small to medium businesses using the payment side of the Spenda suite I would have thought that it would have flowed through in the cash statements as the Spenda platform was released approx 18 months ago 9/7/2020 as per an ASX release. Again the Appstab was supposed to bring across $500k recurring revenue.
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