All this money spent on endless tech upgrades doesn't bode well...

All this money spent on endless tech upgrades doesn't bode well for any div increase, I am wondering when the tech transformation will be complete so we can finally move on. From memory George initially said it would be 5 years in 2019 for the turn aroud... we are coming up to year 3 of his tenure and so far things have been TERRIBLE.I remember seeing a bullet point presentation of his proposed tech transformation milestones earlier this year.... it looked as though we are barely one third of the intended goals completed. In the meantime I don't have much faith the div payout ratio will be increased to what was promised, nor that EPS will increase given George's unrelenting commitment to keep spending eye watering amounts on tech upgrades. I was going to increase my holdings prior to earnings next month but have been consistently burnt by this stock doing that... I'm expecting more disappointment as we have already had in the past eased by a pathetic 22 cent dividend - maybe a buying opportunity once this stock drops below 6 next month. Also, Maybe George will finally tell us the ROE they are aiming for when earnings are released next month