Buy Now, Pay Later Has a Long Runway in $6 Trillion Credit Card MarketHal Goetsch is a senior managing director and head of Fintech & Financials with B. Riley Securities, where he is responsible for fintech equity research. He has more than 25 years of experience in equity research and operating roles in fintech and related areas. Prior to B. Riley, he was a senior vice president at Loop Capital Markets, responsible for equity research in the fintech sector. Mr. Goetsch served five years as a nuclear power-trained submarine officer in the U.S. Navy. ProfileWord count: 3,504TWST: Let’s start off with some details on your coverage area at B. Riley.