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This is good insight. However, I feel this Egress charges will not remain in long term, as market forces will be at play to take care of these too. Also, something like ATM usage charges where few initial ATM trxns are free per month, may become the order.

Good to hear varying insights. Since BNPL is emerging both of you are correct in a way. Apparently there has been recent article, where a leading publication has taken on the BNPL vis-a-vis card debate. While from a product feature perspective things will evolve, I feel the biggest plus point is it is a digital native product and expands the NTC market (Not addressed by cards), especially in growing economies.