What do you want the future of Zip to be?

Hi everyone,

Seems like Zip has turned a corner and the outlook for the future is much brighter now.

In light of that, what changes do you want Zip to make over the next 12 months?
What would you like to see from leadership?
What outcomes do you want to see in the financial reports?

For me I'd like to see:
1. New products (particularly for the US)
2. Directors buying more shares on market
3. Maintain the growth numbers in the US market
4. Bad debts in ANZ under 2%
5. Increase in merchants/partnerships
6. An institutional invester coming on board as a major shareholder

From an external environment perspective I'd like to see:
1. Inflation settling
2. Interest rate cuts
3. ANZ BNPL regulation finalised

I'd also be quite interested in a takeover bid for Zip - particularly if it is at $3+.

Anyway look forward to your thoughts!