Webinar questions, page-235

Historically though, they have not charged for software, not earned much on B2B payments because little card usage, and relied on lending... Now, it is all flipped around. No new lending, and hoping for B2C payment revenues and SaaS from a small number of customers. I don't necessarily have much to say against this new model, which if successful is less capital intensive. It's not clear to me though they have any idea where the money will eventually come from, and until we see uptick in bottom line, it's all spin from my perspective.