Zip catching Afterpay here we come!, page-38

To back this up i used zip and Afterpay once or twice a month when i first got them say 24 Times a year
10 percent of Afterpay customers use Afterpay 52 times a year
Afterpay paint these customers as their high value repeat customers. The real dangerous question for Afterpay here is of that top 10 or twenty percent of users if afterpay had signed all 18 million merchants in the us to allow unlimited online purchasing at any store how many times would these shoppers use Afterpay. If half of those 10 percent would used it 300 times, that's the really high value customers..and these are the ones that are most likely to move to zip and quad because their needs are mostly not being met due to limited merchants Afterpay offer. So it's very dangerous ground for Afterpay to not offer a buy anything feature, as it puts its most frequent users in the sights to leave and at least try zip and quadpay and when they are able to use it 300 times a year or more like i do currently you think these users will go back to Afterpay. f* no.