I'm 28 and worked for APT before，and I've never used it myself other than to test part I work on. Nor did most of my colleagues. BNPL is specifically for low income young and mostly female. it's not useful for people already making 6 figures due to the low limit and short repayment cycle. I don't need a $2000 line of credit because if I can't afford something outright，I can't afford it. $2000 will not make a difference.
#BnplGoingToZero, page-252
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