Hi Kelvin, welcome back, I think you still scare of Atome, here...

Hi Kelvin, welcome back, I think you still scare of Atome, here is my 2¢

• I guess you right, 'no loyalties in business these days' especially we still in pandemic, all these payment gateways they fxxx around with all the BNPL providers. I guess this would be one of the reason why IOU want to buy IDSB (It's a unique competitive advantage, 36k mid class customer.. bla bla.. all these has been discussed to dead)
• Our deal with ipay88 has been delayed not terminated.
  
• Atome just signed the agreement with iPay8, but it hasn't gone live yet (it may take another year) . It took Rely almost 7 months to go live with Razer after they signed the agreement in last Dec.
• Have a look those Malaysian local giant merchant we onboarded so far ( Senheng, HP, SenQ , TMB and KK, without IPay and Razer yet)
• Don't be afraid of competition, eBay got beaten by a small local Chinese company(TaoBao) in China and now Taobao became Ant Group's C2C arm.
• I really like those "blue hose" and automotive merchants we have signed up (Bottom 40% income groups) + 36k civil servant ( Middle 40% income groups), plus Paul mentioned in his recent interview we are expanding to rural area, I think the BOD know what they doing.