my generation use BNPL but only when they fund my discountsI...

my generation use BNPL but only when they fund my discounts
I love 2-3 years ago when zip and afterday give you an extra 10-20% discount to buy goods
it pretty good deal, open an account, at checkout pump via afterpay/zip get extra discount.

that when I said this is a @#$@#$ up business model there is no way you can make money on this
I spending 2K on computer gears, I get an extra $300 discount very nice thanks afterpay

millions of ozbargainers that all they used for free discount then stopped, use again when these buggers need to
show revenue growth and offer more discount

so you either end up with customers who want you to fund their discount and cost you money or borrower with shitty credits history
they haven't been doing that lately, probably see the trend from boomers and GenX signed up just to get extra discount then stop