unfortunately zip haven't demonstrated a capacity to flatten the bad debt curve
bet london to a brick that impairment expenses (loss provisions) will increase to cushion the blow that is to come, across ALL local retail credit providers...boq, fxl are just two retail providers already bracing for impact
and unfortunately for lenders like zip (they've consistently reported quarter on quarter bad debt increases) their outlook isn't as bright as you're making it out to be
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