Ah, my pull-quote is confusing because it leaves out the context that the denominator here is all BNPL purchases, not all purchases. That said, you're right th

Ah, my pull-quote is confusing because it leaves out the context that the denominator here is all BNPL purchases, not all purchases. That said, you're right that this could also just be a product of new offerings, as BNPL in point-of-sale systems is newer than BNPL online.