Alternative Metrics, page-2332

I'm happy to agree to disagree. From a customer perspective the BNPL options are identical apart from the fact that late payments are slightly different.

Considering the average person doesn't plan on paying late I dont know how much weight this would have on their decision to use them. I think much bigger factors are usability, support and most of all merchants.

To a customer they are not materially different. Just my opinion. No punchline should be expected.