Can see this going back to IPO price of 20c in the mid term....

Can see this going back to IPO price of 20c in the mid term. Traders stock at the moment.

As other posters have said, their product is hard even for investors to understand. Businesses would also not like getting delayed cashflow. The upfront payment option only works through a third party business lender (eg honeycombe financial), further complicating matters. IPO stats appear better on surface, but growth rates so far have been less compelling.