Well they already partnered with neobank 86 400 back in June... Click Here
So I daresay your right, it feels more & more like ZIP is transitioning towards trying to become an all-in-one hub. Again, seems like they are aiming to encroach on PayPal's turf, not the other way around, but aiming to be much better & more user friendly than PayPal ever was. I reckon we will soon see some form of end-users sending/receiving payments & storing funds - Basically becoming their own version of a bank.
The whole "Buy Now, Pay Later" industry is basically a rework of the credit-card, it came out as a "new way" for people to make payments on credit without the need for a card, with no interest if used correctly, and has sort of done a 360 and come full circle back to being exactly that - a credit card... just a more youthful, digital version.
The big banks responded by releasing their own zero-interest credit cards, but I guess a lot of people just prefer something new.
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