I believe that the reason these BNPL players are so highly valued is not their revenue/net, although that comes in to play.
I'd suggest their value is in spending habits, products purchased and when, value of items purchased and how long the consumer takes to settle these advanced debts.
Would like to hear anyone else's thoughts?
tldr - The excessive valuations are due to acquiring data. IE Social media.
I believe that the reason these BNPL players are so highly...
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