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@Simonkhalaf "The labor market is 150T US global opportunity with no tech. 30%+ inefficiencies Churn rates XX% & productivity gains lackluster. Innovations: better UI over crap outsourcing & WFH. @WorkWhileAI is on it. #hrtechconf next week will be a new day"
X Link @Simonkhalaf 2025-09-12T19:03Z 5929 followers, XXX engagements

"BNPL will account for XX% of all credit driven card purchases by 2035. There are XXX credit card issuers in the US and X BNPL "issuers". That's why there is so much excitement about @Affirm @sezzleinc @AfterpayUSA and @Klarna"
X Link @Simonkhalaf 2025-10-14T15:34Z 5929 followers, 5165 engagements

"@shey2007shey @Affirm @sezzleinc @AfterpayUSA @Klarna Publicly MQ has disclosed that it is one of the players powering Afterpay Klarna affirm and Sezzle"
X Link @Simonkhalaf 2025-10-15T18:19Z 5929 followers, XX engagements

"5X is just about right"
X Link @Simonkhalaf 2025-10-10T16:58Z 5931 followers, XXX engagements

"@10452_9212 The amazing $MQ"
X Link @Simonkhalaf 2025-08-25T17:58Z 5926 followers, XXX engagements

"There is a very large segment of the population that is drowning in debt and need crowd funding to eat. Definitely beats the XX% APR of new Earned Wages Loan or XXX% APR for payday loans"
X Link @Simonkhalaf 2025-10-13T18:08Z 5930 followers, XXX engagements

"Downside risk is Low Hire Low Fire. Upside Opportunity is No Hire No Fire. @WorkWhileAI @Jenniferisms"
X Link @Simonkhalaf 2025-10-14T16:38Z 5929 followers, XXX engagements

"BNPL payment volumes in the US is expected to cross 100B USD ion 2025 and grow XX% CAGR over the next XX years and will reach 1T in 2035 compared to 2.2T in revolving credit card or 45%. Full analysis is coming tomorrow"
X Link @Simonkhalaf 2025-10-14T03:38Z 5930 followers, 1113 engagements

"AI is eating labor. This is the best video to watch. @arampell is a genius. The labor market is 150T USD global market -- still done on pen and paper and annual performance reviews. @WorkWhileAI is turning the labor market to a liquid real-time free-market-economy marketplace like NASDAQ did to equity in 1971 with AI models setting daily rates predicting show rates fill rates cushion rates real-time round the clock performance management and ALSO pays workers within XX minutes of clockout turning payroll into a paperwork exercise"
X Link @Simonkhalaf 2025-10-03T18:15Z 5929 followers, XXX engagements

"@steph_rueff @klarnaseb @Affirm @sezzleinc @AfterpayUSA @Klarna Because it is a win-win-win scenario. Consumer wins retailers win and the BNPL provider wins. May not be at the same rate as banks but they dont have to. That is the Beauty"
X Link @Simonkhalaf 2025-10-14T21:21Z 5930 followers, XX engagements

"Can @GoldmanSachs compute the impact of high interest rates and budget deficits on the working class and how much that is impacting their lives Hint: it is more than tariffs"
X Link @Simonkhalaf 2025-10-14T03:25Z 5930 followers, XXX engagements

"I sure hope @Dan_Schulman now CEO of Verizon executes the fintech strategy we put together when we were part of $VZ. Telcos enabled the internet they shouldnt be dumb pipes So much opportunity. Time to build"
X Link @Simonkhalaf 2025-10-06T19:24Z 5930 followers, 1005 engagements

"Cash App Borrow is growing at XX% quarterly and is now 20B run rate origination business. Loans are XX% APR. While I admire @CashApp @owenbjennings undercutting payday loans (300%+ APR) aren't employers better suited to pay the fee on behalf of their labor default rates will go to zero (I mean employees are technically giving their employers working capital). There is a better model. @money2020 will reveal. @WorkWhileAI"
X Link @Simonkhalaf 2025-10-09T20:41Z 5929 followers, XXX engagements

"how fast can tokenized real estate be here"
X Link @Simonkhalaf 2025-10-15T16:46Z 5929 followers, XXX engagements

"@templargin @Affirm @sezzleinc @AfterpayUSA @Klarna our own analysis based on 1) Transactor versus Revolver Rate in the US 2) Implication of interest free pay in X on PPP 3) Rate of growth of BNPL the past X years pegged to penetration and 4) out of sample modeling"
X Link @Simonkhalaf 2025-10-14T21:50Z 5930 followers, XX engagements