Your point stands, but they arguably do compete with banks through their credit cards/financing. Not sure how it looks in other countries but here in Japan it’s

Your point stands, but they arguably do compete with banks through their credit cards/financing. Not sure how it looks in other countries but here in Japan it’s not insignificant. Right now they do it through a JV or sth with SMBC but surely it’s just a matter of time until they get serious there.