What people have not worked out yet, is that the afterpay platform is a free way to reach your customer without having to do Google, Amazon, FB advertising... once it is smarter and does big data based product suggestions based on what other customers and you have bought in relation to a product, it will be a retailer focused platform - not a predatory ad based platform where they sell your adword to your competitor (Google) and overlay their own cheaper knock off products on top of yours even when you paid for the advert (Amazon)...
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