Thanks mate, likewise :)Interesting re WBC, they have share...

Thanks mate, likewise

Interesting re WBC, they have share holding interest, but no funding from WBC institutional ( As you'd probably know, NAB is their and funnily enough APTs sponsor - probably too much exposure to the space if you ask me)... WBC seem to be notoriously harder to get funding from than the others, particularly if the business is not profitable.

Re the US, having been across both Affirm and Klarna for quite some time... its suprisingly been quite a hard nut to crack, and I dont think either have done amazingly well yet... for what seems like a variety of reasons... Probably the hardest hurdle to solve for is getting ones head around the bottom 100m people's worth of reliable credit data, that is not really available by way of usual bureaus, ie experion etc... where as the APT model ( rightly or wrongly, Im not sure) seems to be less affected by it... whether they take the stance that they are "not providing credit" per se, and are enabling this cohort anyhow, I am not sure, but its definitely taken off there, with a couple of others also getting some major traction.

Anyhow, good luck to all re their holdings... it will definitely be an exciting 6-12 month period for the entire space.

Obviously DYOR.