As mentioned, do your own research ...
What I can speak for is relative to the US market where I’m based... installment lending is expanding and growing fast over here...Walmart and Amazon have partnered respectively with Affirm and Klarna to offer instalment loans -with interest - to online and instore customers ..
splitit’s model differs in that it runs on card networks rails and no interest instalment payment... I like the model and that’s why I bought the stock and am long ...could be right , could be wrong... time will tell..
https://patents.google.com/?assignee=Splitit&oq=Splitit
As mentioned, do your own research ...What I can speak for is...
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