Yup but you've missed the point - the end consumer doesn't care about what the retailer gets (and the retailer is equally pushing APT and Z1P it would seem), so who do you think the end consumer (which is who makes the decision ultimately, not the merchant) is going to go/pay with? (and likely to already have an account with?)
It ain't Z1P!
Ann: Zip goes next level with Kmart, page-89
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