The market is reacting to the "physical point of presence" in which consumers are able to use myIOU app to make payments through their outlets.
So IOU is targeting both online and offline (physical point of presence) presence.
This will allow IOU to become a household name, similar to that of WeChat, where they're able to use the app to make all sorts of payments e.g. Utilities, mobile, loans, groceries. Essentially not needing the big banks in the future.
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