As I said - huge capital investment cost - & unproven with regard to having long-term profitability - so large capital cost, large risk - therefore less likely than you think.
The key with Afterpay's original model is that is was customer driven - so as per above, take on the merchants or the customers - but either approach requires a huge capital investment now.
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As I said - huge capital investment cost - & unproven with...
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