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Buy now pay later is the easiest market to get in for the in...

Buy now pay later is the easiest market to get in for the incumbents. There is no disruption there. Please explain why $Visa (V.US)$, $MasterCard (MA.US)$, $PayPal (PYPL.US)$, $Block (SQ.US)$cannot offer this service ? It would be SO easy for them to give them this option and take $Affirm Holdings (AFRM.US)$out of the equation.
Really looking for some explanation here.
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