I think it's not a big enough sample size to be worth it's salt,
Afterpay is doing the exact opposite of giving BNPL a bad name, It's creating exposure and value to consumers - There has been enough room in the market for the "Big 4" for an incredibly long time so there is absolutely no reason why their can't be multiple players in the BNPL space.
Anything that challenges the current market "norm" or ridiculously high interest rates being charged by the big banks is alright in my book.
buy now pain latter, page-255
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