You are quite right Jason. I believe the potential of this stock is huge. The company is on track with their strategy goal which I think is to expand market and customer base. Having relationship with big banks are the key barriers for other player to compete. The employee iBenefit program is tackling the right problem as China is transform away from cheap labor. Skilled experience professionals will be the middle class of Chinese labor, the cost of recruitment and retention is very high.
The company is focused on building a platform rather than a product, like apple build AppStore, which is what makes iphone so popular than android and windows phone.
Good luck to everyone. Patience is key on this stock. Once all the effort turns to $, it's going to be big.