Pay Later Services - Is That a Targeted Approach?

These are two distinct groups. They may have some overlap, but really who these services are targeted at is young people and those just reached 18. These services sort of a swoop into that void left by the a removal of credit card pipe line. You have a real opportunity as retailer if you can reach someone and gain their a loyalty at a very, very young age. That means that you have a greater potential to extract more purchases from them over time than you would if you reached them later in life. It's interesting how itsort of evolved from being primarily used to finance larger ticket items too, just every day anything.