[callalex]

How are you going to handle delinquency and collections? I was under the impression that most vendors like having a third party (Klarna comes to mind) handle credit so that when things go bad, ACME doesn’t take the brand hit for associating with the shitty scumbags in the collection industry.

[jess-zhang]

We don't do collection. Our customers own the loan receivables and they have the option to decide how they want to handle collections. there's a lot of flexibility and options here, depending on their business model and incentives.