Ann: Quarterly Update, page-157

ultrimately you may be right , but there simply isnt enough data in this fledgling industry to say that it wont be successful and profitable in the long run.

And , of course , for Z1p to fail , there must be another better alternative to come along .. ie bank cards are losing market share to BNPL atmo.

if/when I see a better alternative to BNPL , i will sell some Z1p and move into that space but for the time being BNPL offers an exciting alternate future IF they can get the balance right and not cannibalise growth for ( eventual ) profit.

And I will leave this little but interesting fact . What do most market analysts say is Qantas biggest asset ? Answer - its rewards program .