Ps - Klarna also boast circa 10% of all online credit purchases in Europe, holding 10% of all ecommerce market share in the region.
seems a pretty good "penetration" to me, and that's just one provider...
usually your posts, whilst contrarian, are generally substantial.
this post is complete nonsense with no factual basis whatsoever
ps - in Australia alone, 8% of all e-commerce transactions in 2019 (pre covid) were purchased using a BNPL platform...
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