PayPal is not exactly a competitor.you need to do your research....

PayPal is not exactly a competitor.

you need to do your research. CI1’s main business model is a profitable debt restructuring business that would highly benefit in times of financial crisis. YOZO is a new acquisition which has yet to grow and prove its great potential.

You have previously named Zip, which I used to hold but sold, as a main competitor due to its lending to smes. These businesses can coexist while making profit (at least in the case of CI1) as they are not the same product offering.