Haha no I like ZML, and I like Fintech... but real fintech, not...

Haha no I like ZML, and I like Fintech... but real fintech, not quasi low doc finance companies moonlighting as fintechs I just think ZML doesnt have the same quality merchants as AFY, and some book metrics that scare me, but i think its got a smarter, broader product suite and its own stack, coupled with smarter more experienced management... They are all overvalued to me, so I wouldnt buy either share... but it doesnt mean I think they are rubbish.