A customer value proposition is the very basis of a business. It isn't management speak.With all your research one would think you know why merchants are willing to pay more for afterpay than they do for visa, mastercard and AMEX. It is really simple.If you read the financials you wouldn't be saying 'no earnings'. The company has proven itself to be profitable.
There are many reasons a director may sell shares. Lets start with - so they can pay for their option entitlements and continue with so they can buy a house, given Molnar is still in his 20's. They sold a small proportion of their holdings and not 'a very large sum', in any case.
