If everybody was financially responsible, there would be no BNPL.
A company that relies on people not making their repayments on time, just to survive is living on borrowed time. All the expansion talk, acquisitions, appointments are all noise for the coming inevitability. Consolidation and then total sector collapse.
And, no, these aren't innovative fin techs, they are payday lenders dressed up nicely to avoid regulation (which, I might add, is coming like a freight train)
If everybody was financially responsible, there would be no...
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