Once again, US Carriers fail at leveraging their real crown jewels (in the now sold Softcard/Isis JV solution) - their aggregate direct billing relationships with tens and tens of millions. Yielding to pressures from banks/credit cards in their billing ecosystem, Carrier Billing as a payment option in the wallet was abandoned from consideration in the Isis solution years ago. For its remaining existence, Isis floundered and sputtered for years in spite of the war chests of the 3 Isis/Softcard JV giants at&t /T-Mobile/ Verizon. Lack of insight into market needs, lack of appreciation of their own assets and core competencies, lack of vision, lack of courage = failure. A decades old notion persists in the telecom industry: avoid partnering with Carriers because they'll bleed you to death.