This may just be Sunday-brain, but I can&#x27;t seem to see what this service actually <i>does</i> - is it effectively just an outsourced credit-control department?<p>If so (and even if not, to be honest), I do find it interesting how often something pops up that seems to be a return to older ways of doing things. In this case, I&#x27;m reminded of how things worked in my early childhood (1980s, UK) - our local butcher, petrol station and others would all keep an account, which my parents would pay off when invoiced. In the context of the last 15-20 years, though, that appears old-fashioned to the extreme - yet here we are reinventing new ways of doing things the old ways.