Finally!, page-49

I agree. I think the biggest concern for DOU is the execution of their product and its functionality. Whilst this is the case, I think their product delivers a well defined "financial wellness" solution to their customer (e.g. banking, spending management and wealth management). I also like how their primary target market are "HENRYs" (Higher Earners Not Rich Yet), which I think will drive average revenue per customer higher than their competitors.
I also think that by DOU listing on the ASX, it will turn shareholders into fans of their product and therefore drive customer growth.
The CEO Andy Taylor has also had proven success in launching many companies and products in the past, most notably founding SocietyOne (Australia's first P2P lending platform).

Whilst I think the demand for their product is well and truly there, it's about how well they execute their product!