lol ! You are relentless, you really need to read and learn more about the bnpl business model and unit economics. The key metric in the BNPL trend is that both consumers and merchants are voting with their feet ! The key asset of data is not even yet priced in to the share prices. I suspect this will take time as players learn how to monetise the data.
imho you are so far off the mark on this industry.
cheers
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