Agreed to an extent. The products ZIP offer are what I'm referring to about ZIP being different to APT, or any other BNPL for that fact. Tap and ZIP was the game changer. Sure, Quadpay could be said is similar to APT and other BNPL and that is where the growth is. But both APT and Quadpay/ZIP doing well helps the whole industry. They compliment each other, imo. But I wouldn't be going on and on comparing them the way you have. You've written up fantastic analysis' on the metrics and results of ZIP/Quadpay which I think is great.
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