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    @lewt0 - BNPL is a small loan or credit offering. It is usually backed by a bank or some fund with deep pockets. IOU will make such ann with large institutions that they already have as clients (I think).
    Also they will be launching BNPL with partners, like other retailer and so on. Example: They could partner with ebay or Amazon in Malaysia or say like a Flightcentre group or with like a Coles/Wollies.
 
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