ZIP 2.37% $1.65 zip co limited..

Ann: Annual Report to Shareholders, page-23

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    APT net transaction loss was reported at 0.9%, improving through Covid-19 unlike Z1P which has seen increases. I'd say the difference is mostly driven by ZipMoney and the face APT doesn't have that kind of product. The difference isn't unexpected, I just wonder if the market expected further increases in bad debt as reported.
 
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