Also remember, you don't need an AFSL to operate in the fintech sector necessarily. Last I checked APT, Z1P, DOU etc do not have AFSL's....someone else could confirm? I will just say it again, I have no reason to believe the rumours of them acquiring a BNPL, I thought a month or so back it might be the case but I am 99% sure that is not whats going to happen IMO
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