I wouldn't think so - it hasn't happened yet in the AUS/US markets, in fact the opposite - PayPay US had to increase their Pay in 4 merchant fees in June. I also think the product offering from strong BNPL players will be more in-depth than just payment processing, like what we're starting to see with Afterpay and Zip etc. At this point a number of the senior execs from APT/Zip have commented publicly they're not seeing competition exert pressure on margins.
$1 Club, page-25120
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