in 2015 400k people in Oz used a bnpl to buy something. Now it's...

in 2015 400k people in Oz used a bnpl to buy something. Now it's 6million in 2019. Now it's 10 percent of all online purchases use a bnpl payment solution. That's in 5 years and it's accelerating. If we get to 50 percent of Australians using bnpl, we have approx 13 million customers and Australia still has less than 50 percent penetration on that In the US which is growing faster than Australia, that's a tam of at least 165 million people assuming half use bnpl at some point. And in Europe, taking out Russia you still have over 400.million population and 50.percent of that 200 million.india and China? South America?klarna have 85 million customers, mostly in Europe. 11 million customers afterpay, 4 million zip. Then the smaller ones a few more million. And remember by 2023 every single person in the us will have 3 credit cards. Surely every single person in the us could have 3 bnpl providers they use. Why is that a stretch of imagination. It's not. i can see zip having 20 million customers in no time at all. 5 times it's current customer base. And if revenues are 5 times, that's a billion revenue a year. Then we are talking that 97 dollars a share. If zip gets to 40 million customers...... Wow, the numbers get big