Stefan, your points are true if Zip is purely a bnpl company.
I dont see it as a pure player for bnpl company though.
Its trying to be a payment company which bnpl is part of the product offerings. Then it would make sense.
I have to say that the reason I use paypal online is to avoid my credit details to be leaked. And I dont need to anymore since I have Zip's virtual card function with added convenience which i can avoid my credit card details to be leaked overall (online and instore).
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