look zips product offering is the same as the banks but are the banks 0 interest product going to make money?? are there bad debts going to increase and are they going to give a lot of people out there bad credit the simple answer is yes credit card always had 0 interest yes it might of been for a time frame but if you paid it off just like a bnpl product what's the real offering of the banks?
it's still a credit card doesn't matter how much they dress it up. the downside with bnpl what's there business growth was 100% of merchants if that doesn't happen they don't have a business
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