Other countries next?, page-9

yep, probably you are right. i'd say Canada is a natural fit anyway with US. Europe and UK are the natural fits.
I'd leave asia expansion later on, the market size in the USA itself could be worth multiple times the current SP - especially if you include offline.

so just simply offline expansion into existing will be good enough imho. Currently the expansion has only been online, but most people shop retail is offline e.g. bulk of spend is department stores e.g. Target, Wal mart. Look at their results, Target has totally gone off, retail is going off, very good conditions for afterpay, who out of all the BNPL has the best potential to sign up the major names.