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I agree with the above comments I am both pro business and pro regulation. If being PL is to become a viable product, fair regulation is essential for the industry I can’t wait to see if the NPL is a good deal for both merchants and consumers and the BNPL lenders. It is already on the market with perhaps too many players, so I think the good ones will do just fine with regulation as for the others, sayonara!

UK fintech is worth $1 trillon of what based on what?  estimated market capitalization of privately-held firms plus publicly-traded firms? is this based on an estimated price/earnings ratio? price/sales ratio?  estimated price/invested capital ratio? or just a industry " market capitalization based on money raised"?