for isx nth america expansion (they do have an office and "staff" there remember, that eventually need to make coin)
cash is #2 in uk.... certainly in yorkshire anyway no new fangled plastic cards for them..... faster payments is still not a smooth consumer experience - think how u buy petrol at the servo and why u do that - and that is what is slowing progress with that (the need to change behaviour being the goal for success in changing behaviour).
think of cake for those that are hungry (and like to eat cake)..... been just mud cake so far, Hmmmmm, mud cake.