They have spelt out that they are now lenders charging high interest rates and they believe their customers don't care. Meanwhile their claims about falling delinquency excludes BNPL lol
The share of Affirm customers who were more than 30 days delinquent on their loans fell to 2.4% from 2.7% a year earlier, excluding interest-free loans that are on a biweekly payment plan.
Ann: Q1 FY24 Results - Zip achieves positive Group cash EBTDA, page-1073
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