Well spotted santos8 and thanks for posting. The Q&A directly...

Well spotted santos8 and thanks for posting. The Q&A directly challenges a number of RM's assertions e.g Afterpay is a credit provider, Afterpay is a 'factoring' business, Afterpay (as a factoring business) "cannot generate high long-term returns while simultaneously maintaining a high quality of account receivables". RM lists many "copy-cats" but Datt suggests Afterpay is two years ahead and, in contrast to competitors, "the product offering is clear and vanilla to customer; with no variation in terms whatsoever". A lot in both this Q&A and in RM's article to work through. However my money has been, and remains, happily with APT.