SPT - the merchant side - merchants want a solution that will fit all credit cards users meaning every bank local or global and the act of the splitit at the decision moment (checkout) to increase conversion, the bank can offer 0% for life but there is no way all the banks in the world will do it so Splitit solution is the only option for merchants to be agnostic to the terms, bank, the brand of the card.
the name of the game is the increase of conversion at the checkout - the main issue of merchants is cart abandonment and BNPL solution helping them to reduce it, to hose who doesn't know
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