Customer Base/QUAD/Tap, page-419

this take about zip being completely different is rubbish tbh
think about zipbiz vs zip bnpl right now. All the growth, the growth in numbers the ease of use of the mobile app. The purchase of quadpay that is just doing bnpl....
id say conservatively 95 percent of their revenues are coming from BNPL stream of tap and zip and the traditional consumer bnpl.

They've started new product lines with zip biz but until I see zip generating significant revenue from these it's a
bnpl competing with the likes of apt and szl and Klarna

i find it really.odd when people try to discount zip saying it's totally different to apt. It's not really. They offer more features but it's all consumer business right now. I think the more we say it's a competitor to Afterpay the better we will be. Because that's the truth of it.

Happy to revisit that in a few years if zips biz side starts generating lots of revenue