@nicholassmith11 I think we are all saying the same thing just pointing out different points for or against. What about where customers used to be able to use QR code in Bunnings 4% fee however, now they use the tap and zip ~.7% fee because it's easier. That's the cannibalization @StefanF is talking about.
I also understand your points and agree with your points.
same, same but different
Ann: October YTD trading update, page-180
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