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The transcript discusses the growth and strategy of a company in the buy now, pay later industry. It highlights the benefits of this model over traditional credit cards, such as interest-free installments and merchant-paid interest. The company is expanding in the US and Europe, with a focus on risk management and regulatory compliance. It addresses criticisms and regulatory scrutiny, particularly in the UK, and compares itself to competitors like PayPal. The company is considering an IPO but remains focused on long-term goals and market disruption.

What are the advantages of the Buy Now Pay Later model compared to traditional credit cards?

How does the Buy Now Pay Later service impact younger consumers?

What measures are taken to limit credit losses in the Buy Now Pay Later model?

What is the current status of Buy Now Pay Later services in the UK?

What are the concerns regarding the transparency of the Buy Now Pay Later product?

What are the reasons for not going public with the company at this time?

How does the speaker view the potential for disruption in the retail banking industry?