Look at OPY... Regulators cracking down. In the UK, pushing back against late fees. Banks have been screaming about how unfair the BNPL sector is, vs the regulated credit cards. Something gotta give there. SPX got to rebrand and stop using the term BNPL. So many investors will just now spend the time looking through the differences between B2B and B2C.
It's just the beginning for Spenda!, page-238
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