Quite a few grocery stores across the world offer financial services. The issue is that lending is a very different low margin business that requires an incredi

Quite a few grocery stores across the world offer financial services. The issue is that lending is a very different low margin business that requires an incredible amount of capital and complexity to setup. Which is why usually they get winded down to partner with banks or begin with partnerships in the first place. You’re right - regulatory and compliance are huge barriers.