The pandemic induced spendathon has given BNPL companies a false sense of what is a normal level of spending... with inflation rising across the board, people have been jolted back to reality. Buying things people don't need with money they don't have is fading fast.
People have credit cards for all sorts of reasons, and they can cost you $0 if you know how to use them. At least with CC's you have to prove servicing / credit checks and have a source of income. Risks are well managed. BNPL is off with the fairies.
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