The whole bnpl experiment is simply a credit facility under a bright new shiny hood.
Credit has been around since forever.
There are only two outcomes here - zip starts making money and it's "loyal" customers lose more.
the customers actually derive some benefit and zip disappears.
Of one thing we can be sure, founders and early investors have already cashed in enough chips to
be considered heroes and never have to work again.
Poor insight is evident in current holders, but I have some tulips you may like to buy.
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