@vboy is right. Your non-analysis fails to account for:
1) lack of personal insight that just because you don’t recognize a brand does not mean that there aren’t consumers (and in some cases many millions) that do and that perhaps you are out of touch with modern retail trends
2) lack of understanding of adoption curves and relative life cycle of the business in the US compared to Australia
3) lack of understanding of the basic economics of the business- specifically that Afterpay is mainly popular with retail businesses that are higher margin because they can afford to spend some of that margin on Afterpay. Low margin businesses like Amazon and Walmart can not afford to give up that margin on Afterpay not firs Afterpay want to encourage dependence on its platform for everyday goods, rather for life’s little luxuries. The likes of Macy’s are definitely winnable, but based on adoption curves in Australia would likely come on board in another 12 months time
The bigger point that vboy is alluding to is that you could literally do 5 seconds of research to argue against the points you have made yourself. Even if you can’t be bothered to DYOR there is high quality information on HotCopper including on this very thread. If you are genuinely interested in learning I suggest you read posts by the likes of
@upside_down@vboy@Permabear@webllinks@Christos12 instead of criticizing one of the most generous contributors to this forum.
