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It's very hard for IOU to overcome IPAY88 in Malaysia market, it...

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    It's very hard for IOU to overcome IPAY88 in Malaysia market, it need 2 to 5 years to do that. Secondly, they haven't developed the good app like Zip and Atp, it need time as well. I'm not too optimistic abt IOU for next 2 years. They have a lots to do. If the manager lead the company wrong way, IOU will be bought by another BNPL company.
 
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