my view here would be that we would gradually replace each service that the banks currently offer. So in order to achieve the 12 million, you have b2b payment and payment options, POS, lending, SOE and services and then you'd move to B2C with processing payments, POS, lending. As stated the time taken to launch these products has been enterally at the customers discretion but as enabled as to create a system of services which best suit them and means we have 100% of that market. It means we can bundle services at better rates then any of the 5-7 services we replace. For mind, that's where the 12 million comes from. The same can be applied to capricorn on a much larger scale, but is going to take much more time. Anyway, that's my simpleton take.
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