Below sums it up well what afterpay's trying to achieve...
“We have never offered a traditional finance product,” Nadler said. “And that means that we think and act differently, and we really think of ourselves as a retail platform, not just a payment method or as a simple wallet. I think that differentiates us from some of the competition.”
https://www.pymnts.com/buy-now-pay-later/2021/afterpay-says-bnpl-category-will-grow-with-competition/?utm_source=dlvr.it&utm_medium=twitter