Possible target price of $15-20, page-1630

Mate you don't word questions like that without the intention to accuse...

In my opinion Afterpay has a clear advantage to Z1P because it has the highest amount of customers and lead referrals and is a few steps ahead of competitors, especially in AU and US. This matters to me a lot because it means that it gives Afterpay considerable pricing power. If a merchant has the option of two competing BNPL providers then they would prefer to use the one that has (by far) the highest customers/leads and will pay what Afterpay asks. If Z1P wants to get in on the action they may be able to get the same fees as Afterpay, or perhaps have to discount a little as an incentive. This is a clear risk, hence why Afterpay is in my opinion the better risk adjusted investment -> Pricing power

That's not to say Z1P won't do well. I'm a big fan of Z1P's acquisition of Quadpay and I think long term holders will be rewarded greatly. All in my opinion of course.