Agree completely.
I'm tired of the comparisons between Z1P and APT. Apples and oranges in many respects. Frankly the barriers to entry for APT-like offerings are very low, any average web developer could implement a BNPL-like system using an existing credit card. Issuing credit on the hand, or servicing much large purchases, that's another story.
Ann: Quarterly Report and Appendix 4C, page-120
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