Ann: RSH: Respiri signs with BNPL provider ZIP, page-36

understand

I'm both apt and zip hilder

I want both to succeed

but apt does have an advantage with lower ticket, shorter tenure loans..not to mention 25% upfront payments for new users and during leaner economic times

take a look at their yoy loss rates ...can't deny they are managing credit losses very very well

zip has longer tenure loans (they're revolving) so they have to manage that better

so far, in managing credit risk, apt is way ahead of zip

don't trust me....or any other stranger here

take a look at their numbers. apt way in front

zip has to be much better