LIMEPAY, page-39

You have really shot down your own argument.

Visa and Market Card have 92% of the credit card market as they charge Merchants a median of 1.5 percent.

Amex and Diners Club have 8% as they charge merchants 3 % or more.

APT charge merchants a median of 3.8 percent.

Klarna Visa and MasterCard are launching at an average of 2%.

The stickiness of the product is BNPL not Afterpay it's not a wearable brand like Nike or Adidas.

A consumer is not going to cancel a purchase because a retailer does not offer Afterpay as long as they offer BNPL.

You have just drained your own moat