the landscape at the moment

Laybuy has 687,000 as at 3rd quarter nz - end of dec 31 2020 (28th Jan 2021 report)

Not sure what it in new zealand but here is the landscape.?

Australia
Klarna 575,000 Australian consumers are actively using the platform across 400 retailers in 1 yr
Afterpay has roughly 3.4 million active customers in Australia,
Zip has a customer base of 2.5 million.

UK
Klarna has almost 10 million customers there - 95k a week....according to BBC
Clearpay (afterpay) - Over 1 million (as at jun 20)

US
Afterpay over 5 million customers
Klarna 3.5 million
quadpay 3.2 million
affirm 5.6 million customers

How does laybuy compare?