I don’t know about Aperm Holdings, so look it up
Affim Holdings is a fintech company that operates installment payment service (BNPL) listed in January of this year. Consumers can choose to pay in monthly installments for 3, 6, and 12 month installments mainly through Afirm at affiliated stores.
In addition, the advantage of transparently disclosing the interest and fees to be finally paid over the installment period at the time of payment 페이팔 체크카드
Looking at the company’s recently announced fourth-quarter sales, it was $260 million, up 71% from the same period last year, and gross transaction value (GMV) was $2.48 billion, an increase of 106% compared to the same period last year. The number of active consumers increased by 97% to 7.1 million. It seems to be a hugely growing BNPL service company. 이베이스매뉴얼
So what is BNPL service?
BNPL allows consumers to purchase products,
A form of paying the BNPL company over several weeks or months (post-payment)
This is a ‘partial’ payment method that is different from ‘installment’ payment by credit card, and can also be used with a debit card. The difference from a credit card is that there is no separate interest and fee, and anyone over the age of 18 can use it.
In the domestic BNPL service market, Coupang Pay is operating as a later payment service, Naver Pay as a deferred payment service, Kakao Pay as a post-paid transportation card service, and Viva Republica, a toss operator, is expected to introduce the service next year.. They are also actively entering the BNPL market.
If the deferred payment limit, which is currently limited to 300,000 won, rises, I wonder if existing credit card companies will be a little nervous. Naver, Kakao, and Toss are also entering the market. Anyway, from the consumer’s point of view, it’s easy to use, and the fee is low or not, so there’s nothing bad about it.
Aperm Holdings’ current share price is around $115.
Rising-Down-Rising flow after listing
Back to Amazon vs Visa.
“Amazon is trying to attract more customers with its own payment system,” said an analyst at a British brokerage firm. “I think Amazon has the upper hand in the chicken game against Visa.”
Amazon’s stock price, at least, continues to move sideways, right? I was curious, so I looked it up, but it moved around $3,500 for 1 year and 6 months
So, are you just getting a visa?
Some experts predict Visa’s victory, said David Ritter, a financial services strategist at CI&T, a digital solution company. “Consumers will make it impossible for Amazon to deny visas,” he said.
“We have addressed these issues in the past, and we believe we can do them in the future,” said Basant Prabhu, Visa’s chief financial officer. A confident statement…
In addition, Visa, which is an absolute leader in the global payment field, is expected to continue to grow in the future. being projected
The operating profit margin is also expected to rise from 65.6% this year to 67.6% next year, and Visa Card’s operating profit and operating profit margin are expected to rise to US$25.3 billion and 69.7%, respectively, in 2024. Operating profit margin of 70%..
Above, I have summarized the fee wars surrounding Amazon and Visa, as well as the stock prices of related companies such as Affim Holdings, BNPL service, and PayPal.
We don’t know who will win the Amazon vs. visa battle, or what the stock prices of related companies will be right now, but one thing is for sure.
BNPL service will become increasingly active
Square acquired Afterpay, the largest BNPL company in Australia, and PayPal acquired Paidy, a Japanese BNPL company. In addition, Klarna, the No. 1 company in BNPL, is about to raise large-scale funding, and even Apple, the final boss, plans to enter the BNPL market with Goldman Sachs.
Fast growing BNPL market
Along with other keywords such as metaverse and electric vehicles, it is a keyword worth watching from an investment perspective.
I am learning BNPL in the visa battle with Amazon.