Chart - Z1P, page-6887

So inflationary pressures, means that more people will need a plan to purchase discretionary items which is now debatable whether they actually discretionary or not, millennials attitude today is, I don't want to save for it, I want it now and I'll pay it off in instalments- hence BNPL- it brings forward the purchase- it's a means of transacting and a point of sale. I find it amazing how you don't pick on credit cards- truth is that they are losing huge market share to BNPL and yet they are still viable. I understand your picture stuff, however in many ways it's too simplistic and not a true reflection of reality as there are thousands of variables at play- and no one has a crystal ball.

Z1P are also expanding into rego, solar payments, perhaps paying utility bills, groceries etc- they are keeping their bases covered.