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Most of the employees get something extra for working for a company that helps hard working migrants send money around the world to where it has a huge impact. Generally positive people with some talent.
Statements on strategy and cost cutting launched without a plan. How to get there is not of interest to senior mgmt and as such, unsurprisingly, ability to deliver is low but the rest of the employees are punished / suffer when targets not met. Then the Board gives themselves new retention bonuses to celebrate a falling share price - bonkers!
Advice to Management
Stop and think, possibly even plan involving more than just the board and then try to professionally deliver in a co-ordinated way with adequate resources. To stay alive change is needed and quickly but with no plan its just quick failure not progress.