It's likely not smaller. But the market for expensive, short term loans, from people who can access and use the internet and/or apps is smaller. I don't imagi

It's likely not smaller. But the market for expensive, short term loans, from people who can access and use the internet and/or apps is smaller. I don't imagine a payday loan customer is thinking about that new financial service option they read about in the paper. Which increases cost of customer acquisition. Which makes this more of a Palantir market and less of a scalable one. Square has a much better shot, as pivoting an existing customer relationship seems a much better angle.