Consider it this way, at the end of Q3, Zip had 6.4m customers - your forecast was that they would add somewhere between 950k and 1.9m customers in Q4. Similarly for merchants, you forecasted an increase of between 6k and 13.4k in Q4. These are extremely wide bands, considering we also know that they added 700k customers and 6.8k merchants in Q3.
I am not saying my forecast was closer than yours (it's not really the point, who cares anyway), but I would say you were a long way from nailing it.
Ann: Q4 FY21 - Record Results Building on Global Momentum, page-368
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