Growth is Beautiful. Delinquencies? Not So Much. Fintech is the darling of Wall Street pitch decks. Sleek apps, cool UX, and triple-digit growth rates. According to PwC, some segments like BNPL (Buy Now Pay Later) grew 70% year-over-year. Cue the confetti. But here’s the hangover: TransUnion reports 47% of BNPL borrowers missed at least one payment in 2022. That’s nearly …