i think zip is, given they have a higher amount of customers defaulting on their loans, a longer dated book and products with much more complex fee structures (monthly service fees if min payments not met, only initial period is interest free, establishment fees), whereas afterpay has a single late fee structure. though i would say it is at risk of the amount of late fees they can charge on smaller purchases.
https://zipmoney.com.au/?data-elevio-module=1
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