I don't think you quite understand the USP and Value Prop of SPT. Your view seems to be tied to the success of SPT in ANZ but that's not what will define their success.
I would be disappointed if they ended up in JB HIFI and HN - scrapping for penny's against the other BNPLs in a market that doesn't carry strategic importance for SPT at the moment.
SPT Price at posting:
$1.19 Sentiment: Buy Disclosure: Held