I understand that most of successful startups can grow big as they manage to exploit weak human nature, e.g addiction, FOMO, etc. It is used by those giants in SV. However, it is disheartening that they rebranded payday loan as fintech solution. Those in developing countries do not have long history in dealing with high interest pay day loan, unlike many payday shops found in many North America strip malls. It may be their first easy access to money without collaterals.