moving clearing and settlement has zero be befit to the...

moving clearing and settlement has zero be befit to the customers, but a great way to burn a shitload of cash.
seem to be the experts in "busy work"

The business is surviving on customer deposits and as pointed out they've got zero control over that. not really a strategy

Where's the "diversified revenue" that Whittaker keeps banging on about? Where is crypto, where is the new mobile app, where are the updates to the subscription?

Right now if I was a competitor like stake it would be more effective just target SelfWealths customers through marketing campaigns to get them to switch than do an acquisition.