short sighted? if OPY is indeed well differentiated that does not automatically place it in second position of the bnpl industry. that logic makes absolutely no sense and can mislead some investors here, so I suggest you don't go down that pathway. I currently hold OPY and have been for quite a while but it's almost certain they are not second in this race. As for potential for OPY we can both agree, the whole bnpl industry will grow dramatically in the course of the next few years and OPY should be part of the growth as well.
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