nikkev · HackerTrans

5 months agodiscuss

Their business models are increasingly converging with both generative revenue through seller fees, subscriptions, and advertising. Amazon is ahead in most of these areas and also has the higher margin revenue from AWS. Amazon also has a large base of prime subscribers they can sell incremental services to.

nikkev

2 years agodiscuss

There are two types of BNPL loans: interest free and short-term interest-bearing accounts. In theory BNPL has a couple interesting advantages. First you're underwriting each individual purchase whereas a credit card involves underwriting a line of credit to a consumer. This enables BNPL providers to charge different prices depending on the product being purchased, for example someone making 2,000 a month trying to buy a 1,200 phone may warrant a higher interest rate. Also given the shorter term they should be able to better optimize their rates versus a credit card which is a pre-approved rate across the entire line of credit.

nikkev

3 years agodiscuss

You need to create a new chat then select the Dall-E 3 option in the plugins.

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