Hey I wish you massive profits and I'll happily be proven wrong. Loosing VISA being onboard (if that is still the situation) is a massive blow. Also they have a number of competitors doing similar things, and if Asia is anything to go by, cards are a thing of the past in favour of an app

That being said at the current price it could be a good punt ! Especially if people are sensible and only invest money they are prepared to loose !