APT 0.00% $66.47 afterpay limited

Improvements to Afterpay, page-18

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    Afterpay is a highly centralised autocratic organisation, until they master the art of team building there won’t be much innovation. They have contributed a lot to the BNPL sector but they never tried to create a moat for long term success. I say it again innovation is the only way to keep on attracting growth because the relevance of a vanilla pay in four model may start fading away. Businesses need a moat to deliver continuous growth!!
 
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