actually it does correlate65 percent of quadpay app downloads...

actually it does correlate

65 percent of quadpay app downloads have resulted in new customer sign ons
This is evident by 1. Total app downloads. 2. New customers in the US for Nov and Dec. And that conversion rate is increasing for Zip quad.

You have to first download the app to be a customer


Gone are the days people will just be buying on their laptops or PC.
Some specualtion. People don't like Afterpay? Or the app for quad is better. Easier to use more functionality and word is getting out.
Quadpay did not run any campaigns in Dec to attract new customers like Zip did in ANZ. Note when zip did this they number one app download in December across ANZ.

I know Afterpay has been doing well but this data does Not look good for the fan club