If someone understands the part about why we did not see revenues from the $150mio / $100mio payment volumes, please explain.... A fear I have is that the revenues are blended with lending. 2 issues with that: it likely leads to charging the wrong total price for both services, and it means that there is no evidence that they can develop payment revenues without lending which is capital intensive (10% capital).
Ann: Investor Presentation, page-6
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