On the rise?

I've just come across CCA and think it has huge promise, but I have a few questions. The fact that they’re on the cusp of breaking through to profitability, with a scalable business model and what seems to be a clearly defined niche, is very attractive.

However, I do have a few concerns about the competitive environment:

1. Does anyone have insights into how their Vertexon business is able, or likely, to compete with much larger and more established players like Marqeta in Australia?
Beyond the obvious (e.g. being smaller means more personalised service, and support for EFTPOS), what gives Vertexon a real edge?

2. What are shareholders’ views on management?

3. How does a newly onboarded client affect cash flow?
Are cash flows skewed toward the start due to onboarding/setup fees, or do they build over time as transaction volumes ramp up?