Ann: Voluntary suspension, page-152

the moat with Cro is that they are integrated. Meaning they work across the whole supply chain. Watch their video on the spenda site.
Or some of the Cro videos early in describe them system well.

Adrian has stated time and time again that often banks/bnpl and others work in one space or one area. But Cro works across the here chain. This is why they can easily integrate with Xero/sap and others - they are agnostic with others. because they work across the chain here - Cro make their money is they can cut the margin in one area and increase in another

There are virtually no competitors in this space (not directly). And since Cro is first mover it will take a lot to displace them. We are looking at a disrupter here - an “after pay” into a new area.

competitors may come but it will be 3-5 years away

DYoR and all that