Ann: Chair Takes Leave of Absence, page-39

I'll re-state this again for anyone that hasn't seen it. Please stop calling this a FinTech, it's like calling Woolies a FinTech just because they've got automated check outs (and no staff). WZR is just an old fashioned finance company, with a loan process that allows the client to enter the data (and removes the old credit analyst in the background), and a business model that doesn't suit a rising interest rate environment (check their budget for CoF it wont have included 7 interest rate rises). Plus management are well & truly overpaid for what they've produced.