While I agree that the account maintenance fee is driving...

While I agree that the account maintenance fee is driving revenue growth this year, it has a cult following (evidenced by sustained customers after the fee hike) and longer term I expect the rewards portion of overall revenue to increase in future.

In the app itself I see that Raiz are making it easier to get rewards, where a portion of spend goes into your Raiz account - and they are also branching out the rewards offerings into new categories, with higher returns.

While I'm a long term holder of this stock I think an overall market correction is due soon - would love to pick up more RZI below 50c, as any dip will be short lived IMO.