Ann: Quarterly Update and Appendix 4C, page-9

Payment Assist acquisition may not materialise.
Opy in USA probably is less popular than OpenPay in Australia at present, but I trust Brian.

Any shareholder that bought in the last 12 months is experiencing major pain from holding this dog stock. BNPL is fundamentally flawed if the RBA forces consumers to pay for the right to defer payments.

Watch this space for a major re-rate. Look at LBY and Z1P. The future is dire unless the RBA change their stance.