I do think it will have mass adoption. But to replace banking? No chance. It is just another financial service option and it won’t be for everyone just like even today credit cards do not apply to every individual and is just another financial product.
We are not disagreeing on anything here and all I am saying is what Ci1 does is not really BNPL and only recently they have taken a stake in a BNPL AI company. They have several other subsidiaries and none of them perform BNPL other than YOZO pay.
Credit Intelligence CI1 - The other side of BNPL (and its profitable), page-297
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