Charlie is co-founder and CEO of Sezzle, a $1.2 billion market cap alternative payment platform.Charlie and Auren dive into the unit economics of Buy-Now-Pay-Later (BNPL) businesses, why the “creditization of debit” is the hottest trend, and how underwriting BNPL loans differs from traditional consumer lending.They also explore data’s role in BNPL and how most fintech companies are on the path of becoming neobanks. You can find Auren Hoffman (CEO of SafeGraph) on Twitter at @auren and Charlie Youakim at @CharlieYouakimWorld of DaaS is brought to you by SafeGraph. For more episodes, visit safegraph.com/podcasts