I thought cred would have worst ratio of (revenue/ employee cost) among unicorns fintechs but phonepe's (revenue/ employee cost) is least. Things are looking gloomy for phonepe

Cred marketing spends "N/A" 😂 They spent so much money they forgot to count

This will become uglier once bank get better at tech.

What's CRED's business model to turn profitable? At least some of these companies in the list have something going for them.