z1p and SZL will eventually die - not because SPT or credit card beat them. but because they will be gobbled by the likes of .."bigger players" .. I still think they be around for a bit -- but ultimately they are toast (either gobbled or run to ground)..
in the long term it's the customer data that's the value -- only cross border credit cards can pull all this together.. and this is where SPT is at.
the SP is just a manipulation and result of rich taking money out of tech stocks and higher risk stuff until covid and other done.
credit card use got hammered due to money printing.. and people being locked at home - When the coast clears and it will the next gen using BNPL will eventually get credit cards and maybe just stick with their favourite BNPL for stuff where it works..
I think physical cards will become a thing of the past, maybe linked to some kind of govt ID/biometric approach of gosh knows the tech of the future.
SPT has a bette long term chance to me
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