Exactly.
No customers, no money. They are bleeding. It is becoming clear that they had no target audience.
Older crowd simply do not want to give up their audience. Plus it serves no purpose when the success rate is not 100%, you still have to carry a "safe card."
Younger crowd wants to do business with their mobile phone. We do everything else, social media, email, calls, schedule appt., make reservations...etc.....this is the next step...and future.
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