I own a competitor stock (FXL, rebranding to humm) and we are closely behind you in third place in the BNPL sector in terms of customers,transactions and revenue,
although the company valuation is severely punished because us holders have not been happy with the company's confusion between operating a legacy credit card business and entering into BNPL. so we do get great return when the company does deliver its annual profits.
Z1P needs to be careful when regulations hit next year, as Flexigroup holder I know we are well prepared for regulation in the BNPL sector. how is your company positioned? is there enough free cash flow in the business to commit to more onerous regulatory requirements?
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