Hey bro, curious on your thinking for this one.. Do you believe Zip/Szl will sink?
Where I stand, I see SPT failing well before Zip/Szl. Credit card applications and use are falling at incredible speeds - you can look at any source you deem reliable and they all tell the same story - BNPL use is up, credit card use is down. I also get info from associates in banks and retail, and they all say the same.
Yes, SPT technically falls under BNPL, but it RELIES on a credit card. If there are less credit cards, and less use of those cards, then that would mean SPT's potential userbase is in decline too. Yet, with other BNPL, the sky is currently the limit.
