Reading this report http://www.sharechat.co.nz/article/7...irst-year.html it is a little worrying that Harmoney has lost more than double in its second year of operation compared to its first year. I presume the increase in fees will go towards improving profit but now sure that is going to be enough. The peer to peer market is becoming a bit saturated so not sure if the is much growth there either. Wonder if the money owing but not paid due to conditions not being met refer to their IT systems