On the dispute resolution, I see that theres a cost for that. An additional 3% transaction cost of theres a dispute. I think thats a lot. Especially when the the compliant isnt at fault. I understand thats to reduce unnecessary compliant. Would this cost be adjusted?
I think it will be better to say that the guilty party is to bear the cost of the dispute fee that way, that way, the innocent one is left out of the expenses
My take is that anything in a business can change. You need to be flexible to change what does not work. I too think it is a lot for a dispute but I think we will get to the result of that when there is traction and actual disputes. Also you have to compare it to other competition.