Not correct... take Afterpay they had to approach every retailer to get their service offering accepted, providing them with signage to display in shop windows etc.. Afterpay will pay the retailer 96% of the product value, charging the customer 100% making 4% Margin in 6 weeks.
CBAs offering does not require retailer approval it's accepted anywhere visa/MasterCard is taken. there will be no signage in shops.
CBA - BNPL Disruptor, page-34
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