2022 - management didnt establish much imv, the sp/mc says it all.
My Predictions:
2023 - maybe a better year ahead, or just be a continuation of 2022.
I doubt the 2022 roadmap reflects where this is going, they've said expansion into SEA last 3 yrs, maybe late 2023 might see first steps but history isn't on side.
Loans, BNPL these will probably get established during 2023, but not sure at a level to conquer rising cash burn.
Maybe 2 more CR's this year to fund loans/bnpl.
Transaction levels to improve through 2023, but only marginally without expansion plans.
IDSB to remain a thorn in side with no ROI improvement, 2nd bank?
Overall expecting only a slight improvement if any, and subject to dilution.
Stig.
IOU 2023 PREDICTIONS, page-2
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