While I don't disagree with that opinion of creepy Joe, how does that impact APT?
People with a negative sentiment here seem to think every possibility is bad for APT, yet continue to be proven wrong. I believe the industry and business model will be resilient in almost any outcome (cue ridiculous ***).
Just look at the pandemic. Recession, retail sales fall off a cliff - BNPL records higher sales as people want to pay later. Economic recovery - people go shopping and prefer to pay later increasing TTV.
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