$1 Club, page-23283

Fair enough and you may be right regarding the partnerships. As I've said before, it will probably be a lot easier to sell IOU to merchants in 6 months when the market understands BNPL and it's reached that tipping point of growth. I think they are a lot better suited to selling in that environment, as opposed to educating the market on this new concept they've never heard of.

I agree BNPL is here to stay and I see the potential in SEA but I just don't think IOU have the competence to execute. But again, like I said, it could be a lot easier to execute in 6 months and maybe they'll continue to hire more staff and learn how to run the business.

Obviously Apple launching their BNPL won't affect IOU, but what if Google launch their product?

Thanks for response