Ann: Zip unlocks everyday payments with Tap & Zip, page-220

that means apt is intending to focus on consumer’s behavior by analyzing the data in those digital savings account of customers to track the payments proactively whereas zip is laser focused on payments via preliminary credit checks hence for zip, consumer behavior is indirectly irrelevant because zip has lower bad debt write offs than apt.

Also makes sense because u can’t generate demand from the tools offered by apt/wbc so what is the need of becoming a digital bank and change focus from BNPL. If this is all for payments then apt should introduce some credit checks. I don’t see much value in apt partnership with wbc!