Any thoughts on the CBA bnpl product?, page-153

What are you talking about? Credit checks has zero impact on Afterpay's revenue... Not sure why you're making a big stink over it. Credit checks create friction which means it becomes slightly more difficult to get customers on board. This is less relevant in a market like Australia where Afterpay has already captured a large chunk of the young population.

Maybe you can provide some insights why you think Afterpay suddenly isn't profitable because it has to do a very simple credit check.