More people who now use pawn brokers will soon find out this new way of getting money and goods for nothing of $100-2000 who imo will eventually default is not a good measure of a good business model. Govt legislators may pardon all those borrowers and each will get away with stealing due to lack of checking borrower status is my bet.
Zip is miles ahead of the game but not as fancy or sexy for ASX punters at the moment. Give it 3-12 months and the sentiment may change.