"Because it's not mandated that organisations will use these solutions, some have stayed with incumbent providers, which prevents us realising the full cash benefit"
“Oherwydd nad yw’n orfodol i sefydliadau ddefnyddio’r atebion hyn, mae rhai wedi aros gyda’r darparwyr presennol, sy’n ein hatal rhag gwireddu’r budd ariannol llawn”