There is a huge difference in BNPL as a product offering from...

There is a huge difference in BNPL as a product offering from established businesses, and largely as a loss leader or customer recruitment cost and BNPL as a stand alone business which does not have a hope in hell of generating recurring meaningful profit

Zip has lost a billion dollars in the most accomodative interest rate environment and supported by huge Civid stimulus and lock downs.

Klarna has lost multiple billions and Affirm is heamorraging money and now Block shareholders are classing After pay as a total write off.

Its a completely worthless business idea and to add insult to injury Zip management are completely clueless