Slide 03 · The pain

Today's reality at BNPL scale.

Sample QA misses the dispute themes that move merchant economics.

The chargeback patterns shaping take-rate are buried in the 98% of calls nobody scored.

Agents flying blind across 15+ markets.

Same product. Different regulator, different language, different consumer expectation. One playbook can't carry it.

Multi-language QA at sample rate misses regulatory red flags.

A misstep in one market reaches a regulator before it reaches a manager.

Coaching reach is bottlenecked by reviewer hours.

By the time the QA report lands, the agent has already worked the next two hundred conversations the same way.