apt as a non bank lender in car loans and mortgage market, maybe, page-3

1/3 of the general population also happens to be millenials and gen z, so it's not exactly statistically significant. I wouldn't buy too much into "we target millenials" marketing that many companies are trying to pull. It usually means targeting some culturally narrow caricature.

APT isn't doing this as much as they are building on the technology as a platform. That's where the gold lies. If they can continue growing their customer base, it won't be long till they're doing a deal with amazon and then we'll be seeing $100+.