IMO the announcement today shows that Nandan knows what he is...

IMO the announcement today shows that Nandan knows what he is doing by reducing the operating expenses, focusing on large merchants, taking out the nonprofitable ones, and partnering with the right business partners. Unlike Brad, who spent the company's capital without actual results and took the share down by 85%.Moving forward, if you read the news, Visa, Bluesnap (and similar) will keep pushing SPT MSV. I also assume the connection of the new board member Dan Charron to Fiserv will one day benefit SPT.

The second point is the recession - in recession times over the last 30 years (South America and Israel), the usage of this option increased - consumers prefer to split their "heavy" expenses into monthly payments using their existing credit that they have on their credit cards.