Ann: IOU Provides Mid December Quarterly Update on BNPL Business, page-91

MCO orders for credit products and payment cycle adjustments associated to the changes from Malaysian govt.
Im very pleased with the uptick, ensures the team have thier eye on the prize. The % will fluctuate subject to consumers payments, example: 500 customers on terms of 3months all paid off thier credit at 1 month mark, the funds recycled to new or return consumer user sales, reuse of same monies within the same cycle increases the presumed sales take.
100 buy $1k items for 7.5% upfront but 50 pay in 1 month, 50k then = 7.5% + 7.5% ( increased average for period)
Dyor though.