It's pretty smart, you look at the reports from APT and how many users they have. Those users don't need to loan $500 but they like the liquidity and that's why BNPL is a success. If you're in Douugh that means you can leave more in your ETF jar for example rather than dishing the whole $500 at once.
Fintech Douugh prepares to launch BNPL in US, page-9
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