ZIP 0.36% $2.79 zip co limited..

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    The easiest way to recognise a FAD is ask yourself the question if the product the FAD was trying to replace came along after the FAD product would the FAD succeed.

    in other words if a consumer was using Quadpay and paying a $4 per average $100 transaction fee equating to annualised interest of 50%,with 25% deposit and the balance to be paid in full in six weeks, if a credit card came along and offered six to eight weeks interest free and only 20% on outstanding balance would this replace the FAD product ?
 
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