The ability to accurately underwrite a borrower using alternate data depends on various factors such as the risk associated with the product and the ticket size. For low-ticket products, a simple credit score may suffice, while higher ticket sizes require more complex underwriting processes that utilize alternate data and income estimation tools. Affordability and cost per file are important considerations in the underwriting process, and BNPL service providers can evaluate customers based on the nature of the product, distinguishing between need-based and luxury purchases. It's crucial for BNPL lenders to prioritize credit discipline rather than solely focusing on acquiring more borrowers.