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@lewt0 Onboarding of merchants needs to occur before customers can be onboarded. This was only scheduled for March. It's a slower process then just flicking the switch on. This'll be a really frustrating period for impatient people who don't have experience in implementation and proposition development. For context, I work in the proposition space for a big four and it's taken us 18 months to bring a transaction account to market. So consider that in contrast to the lightning speed IOU are working at. It's really impressive. But once the marketing of the BNPL product starts, it'll be worth the wait.