Pay Later - The Next Big Thing in the Payments Industry?

Pay pal is buying pate a by now pay later company based in japan. This is a two point seven billion dollar deal, mostly in cash. The market that's estimated variously at 20 billion dollars by 20 28, up to a hundred billion dollars in the next few years. But they're not trying to bet the farm on this phenomenon so i'm going to pause here and get your thoughts.