Wow this thread is hilarious, everyone is in denial.
You can't ignore the power of PayPal, the BNPL app integrates with the current app and millions of users already know/use PayPal. Merchants will be pushing PayPal's service because there are no extra fees and the merchant fees are lower compared to the other BNPL services.
Good luck, but they will dominate. PayPal has the users, integration, name, merchants, massive advertising budget..
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