Great background and history - disappointing guidance into the future
Pros
Strong historically built brand that clients trust and respect. Very good decisioning automation platform PowerCurve - clients feedback tells it is the best platform in the market so far. Good expertise in analytics and business consultancy in people bearing the knowledge. Much attention to training communication and sales skills.
Cons
Transformation into a centralized company kills client-centricity, people legacy engagement. Dogmatic approach prevail. Lack of pragmatism that allows competitors win more often. Brand has been suffering distrust and unreliability attitude for 1-2 year steadily. Bureaucracy (decision making) is heavy and does not improve. Senior leadership is poor, strategy and company's identity and business model not clear and there are no activities seen at senior level to identify those - no clarity what the company is and where it goes. Payments lower than the market.