1,2,3,4 I declare a Trade War, page-39

In a Global recession which one of ZIP, Flexipay , APT etc will be seen as the best option for new retailers? We can assume harder times mean they want payment upfront to avoid risks which APT offers . However APT only offers a short period for paying back the debt not sure if this is good of bad for instance. Has anyone dug down into the terms of each here and have any thoughts on this? Did consumers wait to pay cash from cautiousness in the last global recession or did they pursue more small inhouse retail spaced out loans?