I think things will change pretty quickly this year ............Klarna will get its IPO on very swiftly, which will make BNPL very sexy all of a sudden, and you will see 3 giants - Afterpay, Affirm and Klarna - all of which have a corner in their own way, competing against smaller players such as ZIP and Sezzle, who are one trick ponies - they will need to be taken over or muscle up together again - don't forget the Paypals and others also have a lot of strength.
CS has a very good salary but her real worth is in the bonuses and Options she has, which she could dip out on if ZIP cannot keep up with the big boys and at present it shows no sign of trying because it is sitting at the lights in neutral and it needs to get a freaking huge load of cash to bulk up............or wait for the coming consolidation of the industry
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