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    Have an actual look at the situation on the ground in Msia. They have been in lock down for the past 2 months and longer too before the current order.

    So what happens to bnpl loans are these on moratorium too? Will myiou default rates go up in these unusual times in Msia where income has totally stopped for a very very large demographic of consumers. These are all the risk ones looks at and prices their investment accordingly. If you are unable to see that, then thats fine too just hold.
 
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