$Grab Holdings (GRAB.US)$ Digital banking aka Fintech often ...

$Grab Holdings(GRAB.US)$ Digital banking aka Fintech often burns lots of cash before most can even become profitable. It has to spend on incentives, compliance, regulatory requirement, etc and offering super super competitive products (will it affect margin?) in order to lure customers away from the big established well known players (in this competitive matured economy) whose core business is in banking, finance and also life insurers too. Is it trying to do too many things esp while it's core is still not profitable. Will it becomes jack of so many trades (super app) and risk becoming master of nothing? Will digibanking becomes cash cow or burn? What you all think?