Chart - Z1P, page-15484

Was never going to work. Master card, Visa, Amex etc can copy this model easily as they have loyal customers already with huge data banks. Flawed model from the start. Mostly used by people who cant afford to pay their bills and need use this facility, bit like lay by. Results in bad debts for ZIP and will be more and more regulated. Interest rate rises is head wind, not profitable, only hype by looking at the increased number of users. I be honest I traded this more than a year ago above $10 but never touched it again. Still MC over $1b.... lot further to fall IMO,