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She said we can evaluate hype based on how long it takes it to reach 100 million active users. For OpenAI鈥檚 ChatGPT, that was just two months. TikTok, by comparison, took nine months to hit 100 million active users after its global launch. The only app to beat ChatGPT鈥檚 record is Threads, but it had the advantage of tapping Instagram鈥檚 user base. What鈥檚 next?

We've got some stats, I think over 65 million Apple Pay users in store in 2025. Next up is Google with less than 40 million and no one else comes close. Rob Rubin:. Even close. David Morris:. Comes close. Rob Rubin:. Yeah. David Morris:. And,-. Rob Rubin:. Not those pesky Canadians. David Morris:. Yeah.

Yeah, to be fair to the fintechs, investors did tell them go chase users and give crazy perks for super costly acquisition costs. That was totally fine and encouraged. SI wouldn't put it on the fintechs. Alex Sion:. I think there was a psychology going on there of the land grab.

For example, Western Union is piloting digital banking in various markets, and Wise introduced a financial well-being app and interest-bearing savings account. Providers can also leverage their cross-border expertise to build retail offerings. B2B Payments.

These are all essentially either originally P2P systems, even Apple, or mobile based systems that continue to grow and grow and grow and grow and they're tethering broader and deeper usage by building out product sets within that ecosystem, and that's how they're ultimately growing.

Let鈥檚 go shopping: What is the most popular category users purchase with buy now, pay later (BNPL) services? A) Electronics and gadgets B) Furniture and home decor C) Clothing and fashion D) Home appliances. Some 42% of BNPL users have purchased clothing and fashion products with BNPL services, according to Numerator.

The article points to the fact that BNPL users have lower credit scores and are more financially strained compared to non-users. And that gives the CFPB a good reason to begin regulating BNPL. Jamie, is this actually a good rationale, or is the data more function of the audience?