have another think about your assumption. government payments stop, then folks will have less cash on hand, so they will lean back into BNPL lines of spending. the wash of cash has markedly affected the discretionary spending habits here in Oz. Come Christmas quarter things will be towards normal levels, not to mention in 12 months time. though as others have mentioned, the real game is international. Deeper, larger & more developed retail markets. Template model has been refined here in Oz, now it's going to be applied internationally.. I'll sit, hold and wait...
Ann: Quarterly Update, page-238
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