Klarna , Afterpay and Credit Checks, page-24

avoid all the noise above and focus on the big picture; apt dipping in line with whole techfin sector dip on Wall St and here.. but retail spending is surprisingly strong and the small amounts involved in apt (and zip) means this sp will grow.. this sector still has huge growth potential and APT is the big one..sit tight and it will bounce back

here's Paul Xiradis re APT in Livewire this morning..

Under Covid, we have seen an acceleration in purchasing through online platforms. One beneficiary across these platforms has been Afterpay (ASX:APT), the buy-now-pay- later platform. Afterpay has grown dramatically, as reflected in its share price which has recovered almost eight times from its low point in March. People are now conducting their lives through online platforms and paying with it through services like Afterpay.