There is also the question of how SaaS vs Outright affects businesses vs individuals. There are all sorts of aspects to it. You mention buyers remorse. That's a consumers trait. Anecdotally, it seems to me that consumers are less willing to take another regular expense on. I know I am.
It often seems that these regular expenses from magazine subscriptions to car loans are what get people into trouble, so they avoid them. Businesses on the other hand have different issues. Small businesses have cash flow issues & limited credit lines. These are (seem) easier to solve with payment products as services. larger ones have
Larger businesses have different issues. People within them may not want to be responsible for am irreversible mistake. Others may need SaaS to get around some budgeting issue, decision making process or department (bypassing IT seems fashionable).
It often seems that these regular expenses from magazine subscriptions to car loans are what get people into trouble, so they avoid them. Businesses on the other hand have different issues. Small businesses have cash flow issues & limited credit lines. These are (seem) easier to solve with payment products as services. larger ones have
Larger businesses have different issues. People within them may not want to be responsible for am irreversible mistake. Others may need SaaS to get around some budgeting issue, decision making process or department (bypassing IT seems fashionable).