It's clear any negative thoughts on this company are not liked...

It's clear any negative thoughts on this company are not liked so I'll leave you with this:

Does Splitit have a MOAT?
If so, what is it?
What is currently out there that would negate that MOAT very easily?
Does splitit rely heavily on one or two companies to derive it's income through? If so, what happens when those companies say no more?

WHY would splitit stand any chance against the bigger companies?
Have you compared any other companies? Whether you like it or not, the likes of APT, klarna, zip, and all the smaller ones like Lattitude et al are in competition with spt.

If spt was going to try and get to a level of its completion, it's going to need serious money to expand and adapt - this would require a capital raise. At these levels, dilution would have a huge impact.

Food for thought anyways. Certainly not the only thinking I have, but should get you started.

Best of luck.
And as I've said all along, I truly hope it all goes well for all investors. No one likes to lose money and I feel sad for all who have.