Although Europe is more hotly contested imho than americas
klarna has 85 million users I believe 7 million + in the us now, and 300k merchants, so they are the grandaddy of bnpl. But zip in the UK I believe will be zip, the flexible payment options like we have in Australia, unlike the single quadpay strategy in the US.
my main worry with Quadpay thinking out loud here is differentiating it for merchants. Here in Oz it makes sense an ecommerce store can offer the pay in 4 with quad or after pay, but then offer more flexibility with zip pays min 40 a month plan.
i hope to eventually see zip in the us also. I think there is real need there to also offer more flexible terms than just pay in 4 but not sure maybe that can be delivered through quadpay?
Although Europe is more hotly contested imho than americasklarna...
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