CBA's BNPL doesn't affect IOU in anyway in my opinion.
We're in the SEA Region. (South East Asia) not even remotely anything to do with Australia with CBA operates.
If anything this make's IOU a more compelling investment personally due to the fact that there is less saturated market like there is in Australia with Z1p/Humm/AfterPay/OpenPay/Laybuy etc.
-My opinion only, speculation only, NOT financial advice-
CBA - BNPL Disruptor, page-31
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