You might be senile my amigo but you address the elephant in the room!
This is insane this monopoly occurring right now... it might be because there is no regulation?? ...like when Microsft and apple compete in th 1990s cant have monopoly but gates vaccination gave apple money 150m to survive before bankruptcy .....but here in bnpl world it is unregulated to nth extent it takes governments years to enforce .....so apple can dominate as much as they want now watch it spread even banks will be scared of market share shrinkage !
Ann: Q4 FY23 Results Update - Zip Continues to Deliver, page-437
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