This is Incredible. ZipMoney poised for huge growth., page-25

ZIP doing well however APT market share growing with increasing velocity; ZIP's consumer product offering simply not technically comparable to APT's in my opinion (fewer online and real-world integrations; clunkier UI). (Disclosure: none held in either).

Consider also the increasing risk of regulatory crackdown on sector; this appears to be weighing heavily on sector - if it fails to eventuate with a clear signal, both may see appreciation.