We're aligned on the Apple piece. Not a concern for me at all. My thoughts were more geared towards owning shopping demand, and essentially taking marketshare (eyeballs, intent, search, exploration) away from aggregators/marketplaces - Amazon, Ebay, google, instagram, pinterest etc, and also the direct to consumer brands - Warby Parker, Nike (increasingly) etc.
To own the hearts and fingers of the shopper (and in Afterpays case, becoming a 'toll' to retailers) is no mean feat, and won't come cheap.
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