I don't know if this is the right choice or not because it is none of our business to judge the firm, of course we can give our modest opinion here though I am extremely sure that the firm has done enough of market research to take the decision that aligns best with their mission and vision of the company. Now my opinion is that they have made the right choice in at least not giving another burden to the suffering already gamblers as I am sure the gamblers using this service will be the addicted ones and the bad losers which will result in them getting loaned money as that is what a pay later card is and put it to gambling. This is the worse it can happen to suffering gamblers like the categories mentioned by me here so based on that I would now say this is an excellent decision by the fintech firm.