I think it is very important for APT to be and continue to be...

I think it is very important for APT to be and continue to be perceived as customer centric for its success. And proof is in the pudding as APT will now cap late fees. The average spend of $150 will now see the late fee capped at $37.50 instead of $68 or a reduction of 50% which I predicted in an earlier post. APT is just starting out and does not have the might of the banks to absorb criticism or the balance sheet of the pokie industry or casino's or big tobacco or any other industry you want to compare to.