Afterpay Valuation, page-3407

APT target the most irresponsible and instant gratification seeking demographic by effectively giving away free money without credit checks, this is the reason Eisen is practically on knees begging not to be regulated as if so their entire business plan goes up in smoke.

With 69 % of BNPL users in financial stress they are forced to open in new territories to keep the illusion of explosive growth going as the mature territory growth curve is flattening and will invert as they saturate the adressable market of their target demographic.

Most institutions are dumb as rocks

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