"On top of this, the smart spend card has been a complete disaster so far"
In what way has the smart spend card been a disaster?
It's a new product. It just launched last April/May. Like all new tech products, they would have to iron out all the kinks. It's been in a pilot program for the last 6-8 months. They're just onboarding clients now.
"On top of this, the smart spend card has been a complete...
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