I agree
apt credit hurdles seem lower than zip
they don't perform credit checks. none
their credit underwriting is based on merchant profile (store type, location, past history) online channel profile (time of purchase, location), and sku profile (product, brand, price)...,BUT they have been managing to report improved credit loss performance
so apt controlling bad debts....and they don't even utilise credit checks
zip should be doing much better
apt has lower ticket, shorter tenure loans....which helps mitigate credit losses
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I agreeapt credit hurdles seem lower than zipthey don't...
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