That is Australia. You can't expect constant exponential growth from Aus anymore, be happy with sustainable organic growth.
The perfectly timed Quadpay acquisition will bring the growth from a market 15x the size of Aus (not to mention UK expansion).
Zip has a solid base in Australia with probably more financially stable customers. Now they can put their foot on the gas and absorb a bit more risk while growing in the US. Expect those numbers to look much healthier next quarter.
Ann: Quarterly Update, page-298
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