$PayPal (PYPL.US)$ is uniquely positioned to be the leader i...

$PayPal(PYPL.US)$ is uniquely positioned to be the leader in buy now pay later because of the popularity of it's services especially Venmo. A consumer who decides to "buy now pay never" gets banned from all services which is a huge negative in my opinion. On the other hand, nobody really cares if you get banned from $Afterpay Ltd.(AFTPF.US)$ $Affirm Holdings(AFRM.US)$etc.