IMO not sure if Humm is the worst BNPL. I have the app and works great, approval was fast and no issues. Comparing with ZIP, I had issues with them, it required a phone call. Not hating on ZIP just being honest with the application process compared to Humm. Just to put it out there I love ZIP (I profited a lot on this one) I'm now stuck with Humm, SP has been frustrating but that doesn't mean it is the worst BNPL provider. My price target, I believe it will hit $1.6 leading up to the expansion ANN. I will reconsider my position if the SP doesn't improve. Still doesn't mean its the worst BNPL, also I'm not sure how you think Humm has failed in Australia, are they not making a profit?
I was in AMART on the weekend and saw a couple opt for Humm. Seems pretty lively to me. Douugh in its early stages, give it a few announcements and see where it takes us.
GLTA
Just my opinion, peace.
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