Things are heating up in SEA for sure and that just means BNPL is going to be a big part of SEA's up and coming payment option in the next few years.
Great time for IOU to be at the cusp of launching BNPL
Yes there are competition - as there would be in all Western markets it is highly competitive space as we can see from Afterpay, Zip, Sezzle , Klarna, Affirm, Paypal and now the banks.
The advantage to IOU over our competitors is that we have many points of difference in IOU's business structure with its core operations being its service and collaborations with existing banks and other big corporations. We should use this to leverage a competitive advantage IMO.
IOU's is not a pure BNPL play - and has multiple and significant revenue streams so in that regards IOU's business model is well diversified
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