I wonder if the clever nuts at UBS have backwards reports on the Big 4 Australian Banks -
you know the behemoths losing credit card customers (ripped their customers for a generation)
the big time overpaid operators that now defer or don't pay dividends to preserve their capital ratios
the retail banking & mortgage businesses that have an unemployment wave coming at them
Some brokers don't get it ... there is this digital disruption going on called fintechs.
The OLD way of Credit: Character (oooh you rent), Capacity (how long you worked there), Collateral (show me everything)
The NEW way of financial service: Flexibility (we offer this now), Customer first (everyday), Values first (Authentic)
Wake up world BNPL matters
$8 Party, page-23
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