Fractional payment fintechs have eaten their fill. After two years of euphoria, in 2020 and 2021, they are facing rising interest rates, following inflation, and an increase in the risk of non-payment. They will have to comply with new rules which the regulatory authorities, particularly in Brussels, are preparing to curb over-indebtedness. At the same time, they will have to defend their prerogative against the giant Apple, which has launched an Apple Pay Later solution.

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