The Future of BMPL

The Atlanta Fed did a study that said, if you make less than $120,000 a year, you should not have a rewards credit card that has any kind of annual fee because you won't get enough out of it. Buy now pay later is again, that on steroids because you get 14 different buy now pay later loans and all of the terms are based on whenever you happen to be shopping. You don't know what someone's balance is across all of these platforms that have become show pervasive. And I feel like there's going to be a big difference between banks and the sort of ultimate outcome that comes out of buying out pay later versus these platforms.