Webinar questions, page-92

I find it odd to hear how the revenue generation is changing tune. Until recently, we were lead to believe that Spenda was to earn 1% on payment volumes and 20%+ on lending (minus 10% ish on the amount borrowed to lend). The payment revenues have not really materialised and there has not been much clarity as to why. My guess is that that 1% is either negotiated down significantly by the operator, or Spenda only earns such fees on card payments (and then we can imply that such payments are a low percentage of the current mix). The lending revenues have stagnated with the book size, for about 3 quarter now. With no explanation. And now we're meant to wait for B2C revenues...? Ever changing goal post or total BS?