If the 3 biggest ones also struggle, what you think it will do to the 100 chikai ones with their shitty server?

Nope, it will distribute the similar load to the hundreds.

Half of those that apply, applied to all 3.

Given the delays in 'checking', it means the qualified list was not given to the providers, but rather they checked with another system after they received the application. So instead of 3 providers having to confirm the one soherm that already received it say from Grab, now all 300 operators have to check in the same system to be told that soherm already got it.

And again, there is probably 3-4 e-wallets that is widely accepted across the country, and the government's aim is to encourage and push e-wallet spending, so there really ain't a lot of point to give it to a ah chong sdn bhd provider that is only accepted in ah chong mart in some ulu place.

If we were China, they would just give it to Wechat and say everyone have to use Wechat.