Douugh (ASX:DOU): The best thing since sliced bread?, page-740

DOU is not a NEO bank......they already have the lesson from XINJA.

DOU relies on other banks licences hence the risk that XINJA had cannot impact DOU.

DOU is capital light hence a good fintech.

DOU business model has the following benefits
-lower credit risk, (they r not utilising their own capital
- greater capital efficiency (book turns over multiple times a year)
-and most importantly creating deep relationships with consumers and merchants.

Atleast XINJA was responsible and no one suffered total loss of capital......