The first time I saw RJ on an interview, an image of high school cheerleader came up to my mind. Decades in the industry, inventor of the BNPL model, how embarrassing for a company left behind in no man's land to say that, any audience with a right mindset would have asked: where have you been in the red hot bnpl race and why your sp is in such a miserable place? All she needed to say was considering a possible OS expansion than the sp would rise, or not..anyway it's too late now, the sentiment to bnpl has changed and the window closed.
FXL lacks the genes of a fintech company, it's retard, obsolete, customer feedbacks are terrible, everyone movement It carried out out so far was passive rather than proactive. The company needs much more than just marketing
The reason why FXL is NOT a BNPL company, page-232
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