IOU is still a fintech branching out into BNPL at the moment but...

IOU is still a fintech branching out into BNPL at the moment but unfortunately it seems to me that that's all they're focused on at the moment and they're not paying enough attention or putting enough effort into the sectors of the business that are currently providing revenue. Another of my concerns is the fact that they seem to be dragging their feet a little bit with getting up and running (I know it all takes time, I get that...) but with the likes of afterpay and zip knocking on the door they better not stuff around too much longer. I feel it will be case of 'the early bird gets the worm' (the worm being the majority share of a huge customer base)