The implication and one I reached as well is that IAM is actually 3-5 years too late.
They also no longer have Mark Rantall, the industry heavy hitter who was going to bring the leading financial entities that would have allowed IAM to catapult over the competition
http://www.smh.com.au/business/bank...boss-joins-fintech-group-20160408-go1ql6.html
This is imo why IAM has changed direction on signups, without MR it simply doesnt have the industry clout to bring the big players to the table.
This also explains the hints at capital raising through acquisitions, imo its clear to MW that his milestone shares are off the table at present trajectory. An announcement along the lines of discussions to acquire someone like dover, to boost the SP followed by a very dilutive CR to acquire the business as a means to realise some of the milestones, would be my expectation in the next 4-6 weeks
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