you guys have no idea how much the very lowest income group will revolve debt at crazy interest rates, let alone something that's free if you pay in full on time. Payday lending was only limited in growth by Gov legislation. So do not think that people who are struggling use credit products less. bnpl will go ballistic in a recession imo. they may default but will repay eventually to maintain access to the platform... again, unsecured lending demand is only really limited by Gov / legislation in my experience.
potential increase in bad dept?, page-2
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