the costs are associated with the employment of 64 more team...

the costs are associated with the employment of 64 more team members to the Novatti business.
They’ve increased from 64 to 132 currently- this also includes new banking executives from multiple different banking companies.
The difference is we know what the costs are associated too rather than guess work. I’d rather have a bigger team to increase the TTV than have the same team squeezing a smaller footprint on expansion.

In addition there have been licensing fees and COB with new markets in Malaysia, Thailand & others.
Acquisition costs of acquiring a business comes at an expense and is time consuming in the process. This would have been in this also.