HAS ANY ONE HEARD OF KLARNA, page-14

CBA did not team up with APT because it will fail.
Just wait for the recession and all the bad debts that will eventuate.
Credit. card arrears and defaults in the US are reportedly rising sharply.
Lending small sums to uncreditworthy borrowers was never a winning strategy.
Apart from that APT's fees are a rip off.
CBA OR KLARNA look a better bet at these loopy prices for APT.
DDD