Ann: Continues Strong Growth for 1H FY22, Revised FY22 Guidance, page-77

Customers of Afterpay and Zip may be forced to pay buy now, pay later fees now borne by shopkeepers under plans for more intensive regulation of the fast-growing sector being considered by Treasurer Josh Frydenberg and the Reserve Bank of Australia.

In Australia it looks like the Government is moving to require BuyNow/PayLater (BNPL) fees to be passed on to customers rather than being adsorbed by the merchants (and thereby raising the costs for everyone). That is expected to add about 4% to the cost of a BNPL transaction.