Banks are loathed , but very much required part of life,...

Banks are loathed , but very much required part of life, personal and business. APT loved, only because you can not get a credit rating either way good or bad. I would guess a fair amount of BNPL customers have bad credit ratings from the loathed banks. Hence, why no quarterly updates anymore and no profits... and it's 13million customer Reuters and sales $2.1 billion.

raised capital to fund growth,
july 2020 raised $1b
march 2021 $1.5

APT very hungry money eating company .