this concept seems quite simplistic on the face of it. And why...

this concept seems quite simplistic on the face of it. And why shouldn't it be, another App for convenience for those that would use it. I think I read in the Ann somewhere, is better used in outback areas where convenience of financial institutions, eg lower socio-economic areas of country areas.
I have read some interesting views here today and some are just too deep.
I would put this in line with ZIP in that they I think are looking for clients in the same socio-economic areas for their initial client base. Again don't quote me but their SP has grown.

I was in for a quick trade this morning after seeing it yesterday. Another good arvo run today but even this morning I had the quick trade as there seemed a lot of props on the buy side to make it seem better. Don't see any of those props at close of business today though.
Regards