More than 1? Id say a big possibility. Its likely in aus alot use zip and afterpay. But saturation does play a factor i agree. Like cba in aus, its a self perpetuating cycle of leaderw getting new customers. To be Honest, for me it seems that bnpl is just a transition for the small players to get enough capital to take on big banks eventually or paypal or visa. If you own customers and have direct relationship with merchant, that is powerful, imagine if peoples pay went into bank account you own.....and then could eventually offer other products? Merchant facilities. Like google they could spread to a few areas. Eg afterpay starting with westpac but it would be so easy for them to expand offerings and make more revenue....
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