Stefan - that's my point. There are no BNPL operating schemes at the moment. There's loan shark credit or bulk buy plans or sample size volume high frequency purchase formats but no real operator like this. It is what the emerging markets are looking for - far more than developed. APT can move in now with the private placement funding and seize first mover advantage. There isn't a lot more they can do in Developed World besides Canada and maybe Japan. Europe they have already lost the rights to the name for the most part. With European "Afterpay" and Klarna already there.
They would totally kill it in emerging markets but it needs companies to be chart an alternative course to do it.
KM
APT Chart, page-469
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