The Australian market is mature but there is room for new features, i.e., zip business which is growing 100% QoQ. As for the US market, BNPL penetration is currently at 2% and may reach as much as 20%, there is lots more room for all players to grow rapidly. The US business isn't slowing down and, if anything, is increasing. I think you should do some more research before putting your money into companies that you clearly do not understand!
Affirm partners with Amazon, page-27
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