They had to keep it down to avoid bad debts in the US, they've done their hardest to shift Australian customers from BNPL to Zip Plus, more recently I reckon they would be cautious about bad debts building in Australia, I think Australian retail will have brought volumes down, closed Canada, NZ is an economic basket case - that's the bad bit, but they are kicking on in the US in a huge way. Need capital to do it IMO
$2 PARTY, page-10927
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