This consistent drawn out process of prolonged uncertainty does...

This consistent drawn out process of prolonged uncertainty does nothing more then lift SPT as a real payment base and option

their biz model is based on existing credit

human beings WILL continue to spend. They will just do it in smarter ways. There is no V shaped bounce out of covid. This will take time. And people will take notice of transactions and how they pay. AND it’s so so so obvious there has been the largest shift to e-commerce .... as well as BNPL not just because covid happened, but because covid has changed the way we spend. That’s fact. The world has started to spin slower economically. That is a natural gravitation toward BNPL and using existing credit with personal budgeting whilst still allowing one the luxuries and services their need individually, or in their business.

SPT is very well positioned for 2021. Exceptionally well positioned. IMO