It's just the beginning for Spenda!, page-883

It doesn't seem to be growing in those areas of software and payments - right? the numbers show this.

However others have mentioned the fact that often there is a period of trialling etc. before payments kick in.
One example is ebev. I remember when that was announced, People were saying ebev great - revenue from all of them as they all sign up will happen next month.
Yet I am pretty sure in the announcement and followup details, it said there would be access to funding, and that payments would not be trialled/used until 6 months later. This means we will not see any payments/software revenue from ebev until June this year and even after that.

It is really hard to know whether this will be successful, I think we are in a much earlier stage, that many have thought.

DYOR and all that.