Going forward one just need to take stock on how many smaller retialers will say no to APT unless they reduce fees.
Yesterday APT was king.... but there are barbarians at the gate
Basically
Today an online merchant can direct anyone using for APT to paypal pay-in-four
Very soon Brick"N"Mortar store can say to a customer, "No we dont have APT but do you have ApplePay"
In the near future also say "Do you have Google Pay"
Someone using APT will have ApplePay or GooglePay
Potential increase in Credit Risk Profile
If ApplePay or GooglePay won't accept Pay-in-Four from the specific user due to bad internal credit risk assessment
That user can sign up to APT until APT likely cut them off.
However not all is bad, American Express is still a giant in the world of credit even with many virtual or real stores refusing Amex, therefore nothing stopping APT being one of the players
APT Price at posting:
$104.17 Sentiment: None Disclosure: Not Held
