So glad I found this - after weeks looking into Credit / Embedded Finance I finally find clarification on some key subtleties (that even calls with professional banking lawyers had not dispelled) - Thank you Rohit!

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Thanks for writing this, Rohit. Great learning for me.

Quick question: does this apply for BNPL companies who are essentially originators? Do most of them use the ‘forward flow’ facility?

It might great, if you can apply this to bnpl companies specifically and intersect with their revenue models as appropriate - probably with examples is possible


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