it's just the beginning for Cirralto!, page-18553

It remains to be seen what the main income driver will be going forward, it's nice to have different growth levers. It certainly can't hurt to be in a position where customers can pick and choose what they want to use.

My guess is that some customers might start with one thing and then use the others at some point. This would normally require those companies to source a new provider but with CRO they can just add it to the services they are already receiving e.g. AFs vending machine.

My guess is B2B is less risky than B2C for BNPL as I believe their team is performing credit checks on companies. Also, if they securitise their debt then the risk sits with the unit holders not CRO.