Again. Total rubbish.
The model is not being wound back. They are focussing on White -Label and partnerships, but it is the same model with another companies name on it.
The fact that you and others willingly pay 18% penalty interest has nothing to do with SPT. People always over spend. Of all the BNPL models SPT is ethical and doesn't require applying for new debt or pay day loan sharking.
The Next Chapter, page-995
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