Z1P - The Rise To $15.00, page-592

I have used both Z1P and APT.

Not bagging APT (certainly wish I had bought stock early) but personally I find Z1P far better and have deleted my APT app. the $6 monthly fee doesn't bother me at all - I am more worried about the term I have to pay of my purchase.

For example my car broke down and cost me close to $1,000 to fix. I didn't have the ready cash and certainly couldnt afford 4 x fortnightly payments of $250 (they didn't offer APT anyway), so I paid with ZIP, set my own payment term and period and paid it off over the long term.

APT is fine for small purchases, where 4 x payments is enough but for larger payments its an issue.

Being able to meet larger costs, pay electricity, telstra bills etc. and use the services over a wider rage of products and services is extremely attractive to me.

I now have a $1,500 limit and it comes in handing particularly when finances are low to meet unexpected bill payments arise. The new tap and zip function is also an excellent addition.

Having the ability to pay over a longer term across a broader range of products and services is far more attractive to me so Z1P get a big thumbs up and I firmly believe this will be major factor in increasing Z1P's market share in future.