I don't think cannibalism is an issue for Zip yet, I believe it's a good competitive edge. If afterpay does the same thing, the cannibalism impact will be bigger.
After all, 60% of Zip revenue comes from customers instead of merchants. This will shift the scale towards making more from merchants instead of customers, which I believe is the better way to go.
Z1P - The Rise To $15.00, page-1011
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