ZIP 5.92% $1.88 zip co limited..

sorry but see it differently small ticket size and 8 week...

  1. 322 Posts.
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    sorry but see it differently

    small ticket size and 8 week repayment terms are a great credit tool in mitigating loss

    the only risk with small ticket transactional bnpl products is

    - regulatory risk, ie the governments mandates compulsory use of credit bureau, or applies responsible lending type legislation

    note, regulatory risk on 'no surcharge rule' will impact transactional and revolving bnpl products equally.

    so, please make no mistake here, small ticket, transactional bnpl products like szl, quadpay and apt are better in controlling bad debts than revolving, higher ticket bnpl products

    so fxl, zip, opy who play in this space are at greater risk
    Last edited by AaronM80: 26/07/20
 
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