ASX:CI1 - Credit Intelligence. The other side of BNPL. And profitable, page-54

Once again, try to read. Its PayPal fees are not effected by its incremental PayPal BNPL sales, whereas with APT they are.

I am tired of this. We are boring the crap out of everyone. You evidently believe not only is PayPal not a threat but in fact APT a threat to a company what last quarter PayPal processed $247 billion in underlying sales, up 38% from the year-ago quarter, and 4 billion payments, up 30% across the same time frame. PayPal is not some archaic bank. They reported revenues of $5.4 billion in a quarter, not $500 million in a year. Its a massive digital financial services provider that dominates the US online transaction market and is looking at the BNPL space and not liking the competition it is seeing, from APT particularly.

Good luck in your investment.