I believe if they use the PA on all of their platforms, the PBT can increase by 50 bps to 100 bps. Credit card can’t be issued by PAs, you have to tie-up with a Bank or yourself have a banking license to issue credit cards in India, NBFCs can’t issue credit cards.
The same is with BNPL you have to tie-up with a bank or NBFC to do it.
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