I understand. My response was to your comment that it might take 12 months to enter US markets.
They are already in the US market through Quadpay, they are just increasing their exposure. From day 1. Not 12 months. But yes Quadpay is no Afterpay, Klarna, Affirm etc but Z1P is doing the right thing buy acquiring an established player that's in the same league as Z1P.
I've noted in an earlier post, it's unlikely that Z1P will ever challenge the big boys in the US and UK (that ship has sailed in my opinion) but BNPL is a growth sector with plenty of money to be made even by the likes of Sezzle, Quadpay etc.
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