They've got no sense of time management, seems every time line...

They've got no sense of time management, seems every time line is extended, just look at ipay88 merchant referral deal still not closed out, not that it's even relevant now.
Idsb has been the biggest setback, despite the benefits of ongoing dividend split it's nothing but a holding account that can't be leveraged from what l can see, access to a data base isn't of much value in reality, at least from my understanding to date.
Pilot has been coming for ever now and still zilch.
The upsides are definitely isentric, however that's a little hard to grasp on just transaction numbers, but it's growing as expected. Tick.
Bnpl seems ok at 7% roi. Just needs to grow as its a numbers game.
That raises the questions of funding bnpl growth, clearly no short term solution provided yet. CR seems a bit pointless given they passed up the option in the high teens.
As others have said they're seeking name growth, but execution needs to match that growth.
It's going to be a very long road out of this hole, and the question is has iou the team to fulfil that challenge, market is answering this at present, can it xhange, of course but needs energy not slumber.
Let's see the roadmap provides some answers of where it's going.
Stig