BNPL. First collision with reality

Many banks, fintekhi and investors still perceive BNPL as a monoproduct which in itself can generate self-sufficient profitable business, but such perception will turn back huge problems for all participants — players, their investors and consumers "Home Credit" in which we worked the last years, was one of ancestors and leaders of payments by installments in the consumer market. Bank one of the first started BNPL (Buy now pay later — "buy now, pay then") for digital players, such as social network "VKontakte", LLC "INTERNET RESHENIYA" and LLC "Vayldberriz", before others received benefit from introduction of these products...