Yes that gap will get filled though.
i don't know if you have noticed but customer acquisition costs are increasingly exponentially for all these BNPL players following a typical adoption curve adoption of new "technology".
It seems they are exausting the early adopters in the USA more quickly than ANZ and consequently are having to spend more marketing dollars for each customer.
Like APT they will continually need to come back to market for more funding, but in a bear market there may be no takers
Yes that gap will get filled though.i don't know if you have...
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