He is advertising and for someone who presents himself as an expert his maths is about grade 6 level. Over 90% of people born after 1965 use BNPL lol. He has added percentages of various groups 40% Millennials, 35%Gen Z, 20 % Gen Y.
Beginners error, I have no confidence is his ramblings
EML ControlPay and Z1P "Shop Everywhere", page-45
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