Ann: Douugh secures up to $20m in discretionary equity funding, page-12

Mayfair I don't know how to follow your train of thought -
'company now has such a low market cap, it will be lucky to have market penetration of any scale'
The relationship between these two things MC and growth are not mutually exclusive by any means, in fact MC is indicative of the stage of a companies business development, this is what we're seeing with DOU and it's far too soon to be writing these guys off as what seems to be occurring with some of the posters here. Just a reminder this company is 2 years old and has yet to reach cash flow positive which is one of the targets on the coming quarters. Also worth noting that DOU IPO'd at 3c and for what it's worth this is as good a starting point as any for a reset. The rate of change in the banking sector should have already answered your questions about whether they're too late to the party , tech led companies like this are always disrupting the market and these days there's room for disruptive tech .