Zip Biz, page-629

from my opinion, having been in various business across financial services sector, fees tend to be on the nose only where there's an absence of value...

people are happy to pay fees (that aren't exorbitant) where they are being provided a service or convenience.

I understand there's an argument for "why use z1p for said purchase which attracts a fee, when you can to use X instead". the reality is, the fee is so immaterial most people won't bother, because the irony is, they're using for the convenience

either that, or they use more than just 1 BNPL providers

fees really are a moot point, and aren't material to the success or outcome of the company

soon enough, and particularly in heavy inflationary environments, fees for the service may become the norm. people will still opt for late fees (be it late fees or anything else) over eye watering interest rates that credit cards and the like, have always attracted

let's get real