Nothing can be quantified, it’s all assumption and that...

Nothing can be quantified, it’s all assumption and that assumption is hidden in every decision.

You have to accept mate that the BNPL are the new kids on the block and non of them are profitable till now...it’s just some have more customers some have less. UBER had huge valuation due to revenue multiple philosophy but now other ride share are eating its business.

BNPL is not like selling a Bentley...the customer came from credit cards and they can switch to any brand...no one can guarantee brand loyalty.