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1. The industry has had major changes, some would say upgrades in the last few years. New technologies with additional options for consumers such as P2P and cash apps have certainly moved consumers away from store fronts. Or has it? The small dollar lending industry feels pressure from every direction (pandemic, regulation, increased bad debt, laid off workforce, fewer qualified applicants, etc…). After “Chokepoint” the industry bounce backed and flourished. I believe this will happen again.

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