The more merchants there are, then the more coverage of myIOU as a product is delivered to customers. Therefore, customers will be highly correlated with more merchants.
Again, competition is very good for the region, it gives customers more access to BNPL products, which would also mean, they're willing to try out different BNPL products.
There are niche markets within the BNPL market if you haven't noticed, "unbanked/underbanked" is where IOU is going at.
IMO.
$1 Club, page-24767
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