Bad debts are captured within the net transaction margin (NTM) which was stated as being above 2% which is a healthy NTM. Quadpay's revenue is 7% of TTV which compares very favourably with Afterpay
I agree that the ANZ business is very ordinary, but provided it doesn't act as a huge drag, it is chump change in the scheme of things.
Ann: ZIP CEMENTS ITSELF AS A TRUE GLOBAL BNPL LEADER, page-324
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