Cons and threats
Competition (who is the competitor?)
-Regulation (All players face the same regulation)
-Business model is highly vulnerable to recessions (really? According to which Kahuda? Even if so, it applies to every player)
-Easily replicated product (note I use the term product, not business) (Not applicable, for Afterpay is more a business than a product)
-Low barriers of entry into the BNPL sector (refer to comments on competition)
These "cons" are no more than shadows at thisstage.
