We are talking the same language but I am adding the net profit side that shareholders would like to see in the shortcoming future, I am saying SPT will continue the growth but unlike other BNPL their Opx is slim so they will be the 1st to cross the winning line.
in regards to regulations - it's also part of the Opx- the loan providers will need to invest much more than they already do in complying with the upcoming new regulation.
bottom line - watch this space SPT is ahead from all the rest
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