Thanks for pointing out my error,
I think apt turnover rate is 15X (could be wrong be wrong, but if you feel lile going through 1/2 yearly let me know)
personally I dont think zip (anz) turnover will increase all that much, partly due to what you said about zip money.
but also due to the fact zippay users can extend their repayment of balance owing by paying the monthly account keeping fee
which in my opinion is happening very frequently by looking at the % of revenue earned from the customer.
i dont overall think rising interest will be much of a problem for zip and definitely not apt. just responding to the ridiculous notion that all other bnpl will have to adopt zips/quads model in such an environment. that comment is just ridiculous!
Thanks for pointing out my error,I think apt turnover rate is...
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