upfront while paying later. The resulting design offered two interest-free options for consumers, ensuring the product remained outside Australia's credit regulations. The first, "Pay After Delivery", allowed users to wait 30 days before making a payment, similar to using a credit card. The second, "Pay Over Time", let users divide their bill into four installments over a maximum of 60 days.

Later, in October 2014, Molnar and his neighbor, Eisen, formerly a chief investment officer at the Australian holding company Guinness Peat Group,