Max Levchin

I think they announced that they grew 32% last quarter. I think we announced that we grew 35%.

I think they announced that they grew 32% last quarter. I think we announced that we grew 35%.

In the last few quarters, and their numbers aren't public, they're about to go public, so it will be a little bit easier to track their numbers, I think, for all involved. But for the last several quarters, from estimates, we have been taking share in the market against all competitors, not just them. that's a good sign for us. We offer more services though.

In the last few quarters, and their numbers aren't public, they're about to go public, so it will be a little bit easier to track their numbers, I think, for all involved. But for the last several quarters, from estimates, we have been taking share in the market against all competitors, not just them. that's a good sign for us. We offer more services though.

In the last few quarters, and their numbers aren't public, they're about to go public, so it will be a little bit easier to track their numbers, I think, for all involved. But for the last several quarters, from estimates, we have been taking share in the market against all competitors, not just them. that's a good sign for us. We offer more services though.

Majority of our competitors specialize in paying for or something very, very specific. We made the decision from day one to provide every possible service from the 45 day super short term loan all the way out to four years. Very, very few people do everything. And so it should be a natural consequence of our ability to serve all that we would take this proportion to share.

Majority of our competitors specialize in paying for or something very, very specific. We made the decision from day one to provide every possible service from the 45 day super short term loan all the way out to four years. Very, very few people do everything. And so it should be a natural consequence of our ability to serve all that we would take this proportion to share.

Majority of our competitors specialize in paying for or something very, very specific. We made the decision from day one to provide every possible service from the 45 day super short term loan all the way out to four years. Very, very few people do everything. And so it should be a natural consequence of our ability to serve all that we would take this proportion to share.

Are you asking me to analyze their strategy? That's a postmortem they will have to write for themselves. I'm not sure I'm qualified. I don't have all the information. Also, I think it's very healthy, incidentally, for CEOs of startups to spend very, very little time on other people's strategy. The competitive analysis is valuable at the product level and sales strategy level.

Are you asking me to analyze their strategy? That's a postmortem they will have to write for themselves. I'm not sure I'm qualified. I don't have all the information. Also, I think it's very healthy, incidentally, for CEOs of startups to spend very, very little time on other people's strategy. The competitive analysis is valuable at the product level and sales strategy level.

Are you asking me to analyze their strategy? That's a postmortem they will have to write for themselves. I'm not sure I'm qualified. I don't have all the information. Also, I think it's very healthy, incidentally, for CEOs of startups to spend very, very little time on other people's strategy. The competitive analysis is valuable at the product level and sales strategy level.

And what do they do that we could do better is a really good question to ask. What is their strategy is like asking what weather will be 12

And what do they do that we could do better is a really good question to ask. What is their strategy is like asking what weather will be 12

And what do they do that we could do better is a really good question to ask. What is their strategy is like asking what weather will be 12

Yeah, we do lots of that. Like we tear down all competitor products, all their sales products, sales efforts, like everything we can get our hands on, we learn from because it's free. Like someone is making mistakes for us. We should learn on those too. Is regulation a friend of buy now, pay later, or an inhibitor to growth? I think we're always on the record as pro-thoughtful regulation.

Yeah, we do lots of that. Like we tear down all competitor products, all their sales products, sales efforts, like everything we can get our hands on, we learn from because it's free. Like someone is making mistakes for us. We should learn on those too. Is regulation a friend of buy now, pay later, or an inhibitor to growth? I think we're always on the record as pro-thoughtful regulation.

Yeah, we do lots of that. Like we tear down all competitor products, all their sales products, sales efforts, like everything we can get our hands on, we learn from because it's free. Like someone is making mistakes for us. We should learn on those too. Is regulation a friend of buy now, pay later, or an inhibitor to growth? I think we're always on the record as pro-thoughtful regulation.

I think you shouldn't be paying any late fees, but late fee cap I was very happy about because I think that's a good development. People should not be building their profit models based on, I'll just raise the amount of late fee. Do you like being a public company CEO? Some days, yes. Other days, no. One of the days where you're like, yes, and one of the days you're like, no.

I think you shouldn't be paying any late fees, but late fee cap I was very happy about because I think that's a good development. People should not be building their profit models based on, I'll just raise the amount of late fee. Do you like being a public company CEO? Some days, yes. Other days, no. One of the days where you're like, yes, and one of the days you're like, no.

I think you shouldn't be paying any late fees, but late fee cap I was very happy about because I think that's a good development. People should not be building their profit models based on, I'll just raise the amount of late fee. Do you like being a public company CEO? Some days, yes. Other days, no. One of the days where you're like, yes, and one of the days you're like, no.