We can't confirm if there really is back end reconciliation. Nothing official from zip. Not enough validation.
We will wait and see.. Irrespective of whether there is cannibilisation, if it is made up with customer revenue as more money is spent therefore potentially monthly account fees and more transactions are made, then it doesn't matter. As long as there is no margin erosion, I'm satisfied.
Time to step back and re-evaluate, page-78
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