thank heavens for an actual articulate assessment of BNPL in...

thank heavens for an actual articulate assessment of BNPL in Asia. @pjh0102 you're reading into this correctly. In Asia, it makes sense for the merchants to introduce a new way of e-commerce and general shopping, they can market this appropriately with products.

Can IOU act as the intermediary between small business and banks? Small business selling points would likely be cashflow and fixed pricing. I believe the uptake on this would be much quicker, paying for the equipment (in the thousands) in 4-5 equal instalments for the average mum and dad business is always easier to do then paying in one lump sum.

Afterpay offers a large network and consumers reach, what can IOU offer in this instance?

Also today's price action should be nothing new to current holders, it hit a new high and now in a retrace, much like coronavirus cases, Dan Andrews being ripped into daily and trump bring trump.