For MYR150mil which is the equivalent of the aud$50mil we would only be able to support about 50k+ bnpl users each about MYR3k per account.
For a proper bnpl loan book IOU really needs a debt facility or warehouse funding which i think they are working on at the moment hopefully. If iou is to have millions of bnpl users on MYR1k each how much would we need?
Ann: IOUpay Acquires 42% of I-Destinasi Malaysian Finance Company, page-260
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