your metrics are dated.
BNPL addresses multi Trillion dollar TAMs and youre talking about traditional FMCG and/or single transaction metrics? this is multi touch high freq business model. further the user base is going to increase purely as they get old enough to use the product.
there is enough tailwinds behind bnpl for the entire ocean to rise. its not going to be 1 company to rule them all .. we'll see 10 global players
welcome to tech.
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