ZIP versus Afterpay fees and customer value proposition?

Zip charge $5 per month whilst you have any outstanding balance? 3 month minimum Term. Maybe an establishment fee as well plus late fees and interest (after interest free period expires). Afterpay charge nothing other than late fees so 90%+ customers pay nothing at all. Very different business models? Afterpay feels much more disruptive and compelling from a customers point of view? Zip have the advantage of longer loan term for customer. Thoughts? I'm a holder of both ZML and APT.