What crap are you talking Tina, BNPLs are not selling drugs that regulation will hurt them...apart from Apt everyone else is doing credit check and the big ticket ones are doing responsible lending as well. Spt should not think about growth at the demise of others.
The mgt has already spent 50 percent of the CR and by the next qtr the balance will also be wiped out. If the next qtr update does not show any significant improvement in revenue the SP may tank to 10 cents.
The mgt does not even understand why the BNPL is successful....till then I see no hope...seems like a change in mgt is imminent
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