Fair call. I think the wording of "SEA region" threw me when...

Fair call. I think the wording of "SEA region" threw me when they specifically called out Indonesia and Philippines as merchant growth opportunities earlier in the pack. I suspected Philippines was next. I called it out a little while back. I've spent a lot of time there as my best friend lives and works there. They have a big mall culture so the in-store BNPL will be great. However, it's a cash is king culture so I'm not entirely convinced the opportunity is huge. A point backed up by our mates over at *cough* PIL *cough* who's presentation stated only 1% of all transactions are actually digital.