ZIP 0.45% $3.33 zip co limited..

Apt's risk team is poached from the world class PayPal/Uber...

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    Apt's risk team is poached from the world class PayPal/Uber gang. APT paid big bucks for them and it showed. I worked with them directly,they used a combination of 3rd party tools,sophisticated machine learning and domain knowledge to tackle the problem. Within a year of hiring them the loss rate almost halved.

    Zips risk team mostly came from Australian banks and is just average.
 
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