Not a worry mate - we are coming up to Ramadan - Hari Raya so there will be a lift in consumption just as IOU's bnpl is heading from soft launch before going mainstream in April
Gives us time to iron our the quirks and be operational for the rest of 2020 going into Xmas at year end i expect IOU bnpl would become a common household brand by then
Feedback on the ground is the more merchants IOU can onboard it will drive the consumer numbers. The want for bnpl is there - its just about getting the distribution network to get it to the consumers.
Everything progressing nicely IMO
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