Ann: Quarterly business update and Appendix 4C, page-30

Curious how do u know they have won nz? All the big merchants their are with apt. more big ones than laybuy who may have smaller ones but definitely all the known ones are with apt. In saying that getting vodafone is a good win. Also I agree with you for any of the big players like zip szl and affirm it be a nobrainer to acquire. Even me I thought laybuy would try to compete somewhat with the larger players and the ipo would accelerate international growth rather than consolidate.