The Future of Payments and Credit Is by Now Pay Later

In 20 21, i think you're going to see only about 15 % growth over 20 20 a one versus the 30 % that they had this year. The bill is going to come due for a lot of these products, and a lot ofthese consumers are not going to be able to pay for the products they purchased. And so i think there's just going to be a lot of am erosion of trust and and some negative stories that will slow down the rate of growth. Im i think amazon opens more than a hundred grocery stores in 20 22. Not whole food, but three times as many stores as they have ever opened amazon book stores or five star stores.

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