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    That struck me as well. I suppose that BNPL is a "new thing" from a financial service industry point of view, so offers immense growth. EML's growth will come from a broader base, a lot of which is established industry or semi-established. It has strong growth, but not at the same exponential rate as BNPL has demonstrated.

    I'd phrase this more like a listed BNPL stock is a lottery ticket; EML is the lottery provider (TAH).
 
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