Look it’s a simple exercise. What is their average utilisation...

Look it’s a simple exercise. What is their average utilisation rate per merchant vs another BNPL provider? What is the consumer take rate? What is the AOV (average order value) vs other BNPL’s? The weakness of the product is the mechanism in which its built in…IE that the only way to use it is you must have a credit card and a balance on it. Gen Z population which is who overwhelmingly uses BNPL don’t own credit cards like millennials and baby boomers.