For example, if Afterpay pays a 6% annual rate on their funding facility, that facilitates 4% ~margins twelve times a year.
It is a complete myth. Most customers generate little or no revenue. The need to be constantly replaced which involves considerable cost.
BNPL is just a bastardised form of store credit. The difference it that the stores made their profits from extra sales. The credit provision wasn't a profit centre.
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