Number 1 shopping app in the AppStore, page-53

Bad debt ratio seems unusually low imo...maybe there will be a lag and sudden explosion of bad debts... what is even more interesting and imo a worry from an economic management point of view is that even the top brand retailers are taking it on. What would be interesting to know what type customers are using APT services as in high-income people or are they trying to encourage low-income earners to trade up in their shopping spend. I noticed Target are going with it but their stores were empty of customers last week.

Which bank is funding their growth or will they invite other banks to spread the risks. Interesting economic times ahead and for APT shareholders if it can grow without bad debts surprises. GLTA holders.