Really appreciate this post - and just demonstrates it is so hard to compare different companies in the BNPL sector - the Z1p vs APT sp difference/debate is case and point (and obviously szl, opy, etc, etc). There seems to be a huge amount of intangible value placed in the 'brand' itself; which is next to impossible to value (but maybe i'm not trying hard enough). Either way, big fan of SZL.
