You are already comparing this to Xero and APT?
DOU doesn't have a source of revenue and have partnered with the world's worst BNPL provider who isn't even in the target geography.
While sure, maybe they can perform better than xinja and others on the revenue and user growth side, you are way overplaying the BNPL prospect. Humm will fail in USA just like they are failing in Aus.
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