Until you understand the JOURNEY a consumer and a merchant takes, you won't understand what you are actually talking about.
Understand the Journey then come and talk to me. (Hint, think of the network effects)
Your post brings up the same useless points that others were brining up 12 months ago when Paypal launched. You don't get the bigger picture.
News: APT PayPal Australia takes on Afterpay with no-late fee 'buy now, pay later' offer, page-54
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