Alternative Metrics, page-33

APT provides a simple 0% interest option to the big banks credit cards at 15% to 25%. ASIC will want to encourage this competition and allow consumer to have more choice. They allow 0% balance transfers? ASIC also allow pay day lending with max int rate 4% per month (48% p.a.!!) and max est fee 20% of loan amount). Does anyone seriously think ASIC would not want APT and ZIP and other like it to flourish as long as they are not misleading customers (clearly they are not, check it out).