1,2,3,4 I declare a Trade War, page-64

There are some banks apparently thinking of how to be part of this using their existing credit card infrastructure and Sezzle a US competitor is to list on the ASX . Paypal is a potential risk as it could seek to extend its offerings here with the advantages of making it part of a suite of services for both the customer and retailer. Any analyst looking at APT now always mentions the increasing swag of competitors and does not seem to think its market footprint and name gives it much security. About 74% of APT income comes from the retailer last year and competition here means profit is lean . I did not sell any stock yesterday as I am now gambling that half yearly reporting will be another boost. Next year, the year after, who knows. This stock was down to almost 22 a share just a couple of weeks ago so anything from 23 downwards is a fair entry point in my view. Others may have very different perspectives.