and before the naysayers say you can't use an entire population...

and before the naysayers say you can't use an entire population as addressable market, of course you can. This is effectively waht tap and zip does. With my debit card set up I now just transfer from my savings account to zip each week and spend from zip tapping the phone for convenience.
My mindset for years has been collect the Qantas frequent flyer points but with the near collapse of virfin I cashed out the cirgin and Qantas points as I saw the emergence of bnpl was also going to disrupt the loyalty credit card points systems. The cash back offering is far superior in value to qff points.
65 percent of Australia's current population is aged between 15 and 64. That I would say is our key target audience representing about 20 million potential customers in the ANZ region and about 210 million people in the US.