SPT - Technical Analysis, page-438

Agree.

Management is crap no doubt.
The tech is probably bad too given it takes weeks for a merchant to go on-board without partnership with Stripe, and still no mobile app to date.
Marketing is also done poorly. There is literally 0 network effect so far when you compare with other bnpl players.

I am hoping Brad and other recent management changes can change all these but it is still a big question mark.

I lol when people think they are smarter than the market.