It seems like success is largely dependent on user adoption of the accounting software. Can you pls. comment on your growth in that area to date and your plan going forward?

Of your 16,000+ current users, can you share any data on how they break out by industry? I would expect that manufacturers and retailers would need your services in very different ways, so it would be interesting to see who's currently using your software.

Credit risk assessment become very important service in this century. People needs loans to cover their business and it is for sure will need a good management. Paypie offers such assessment with new technology and it for sure will need time before paypie able to gain trust from people outthere.