To say industry wide practice would be considered "heavy handed" is a bit of a stretch.
Maybe after pay's revenue from late fees has shrunk, but as of last november according to asic 1 in 5 BNPL users are missing payments.
This is over represented by the younger population.
To think this isn't a very real threat is short sighted.
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Any thoughts on the CBA bnpl product?, page-152
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