Ann: FY2018 Appendix 4E and Annual Report, page-58

Fair enough.

I prefer to relate bad debt against revenue as the "sales" metric is more or less just payment shuffling from A to B and then C to A or APT to Retailer and then client to APT.
Albeit this risk is borne by APT.

APT state this service is more or less used by the millennials, I think that's 18 to 35 years olds predominantly? would be good to know the breakdown of age, residential, employment, credit history etc.