Found what you wrote interesting. How ever the margin going from 4% to 0.7% means didly squat when the volume or frequency of transactions grows too.
Here's an excerpt from the release today to back up what I mean "Initial results have seen a marked uplift in engagement, with early adopters of this feature transacting on average 4+ times in the last 21 days"
Thats just in 21 days. They're changing the phsycology of how people perceive zip. its not just big ticket items anymore. They want to be the prefered payment system online and instores. If people are transacting 4x more per year (which is conservative given that people in that excerpt are using it 4+ times within 21 days) They'll end up making more money.
Z1P Price at posting:
$6.20 Sentiment: Buy Disclosure: Held
(20min delay)