James you seriously are clueless... Like Clue.less.Less than 5...

James you seriously are clueless... Like Clue.less.
Less than 5 percent of the us penetrated... Think about it. Just let that mull around a bit. .... Still there... Ok... Here goes...
1. Afterpay have about 1.4 billion give or take to zips 400 million odd in cash reserves. In the US Klarna, Afterpay and Affirm absolutely dominate in terms of market share. Dom.i.nate. I'd be putting bets that Afterpay would survive over zip in any sort of merchant fee price war. Why? They are bigger. Already have a bigger brand in bnpl. Double or triple the customer base. And triple to 5x the merchant base (don't quote me on that).
Afterpay did that because they can. And yourresponse to Zips biggest competitor moving their queen to checkmate is so what? You bloody dumbass. Seriously it's your investment. If you want to discount what the biggest competitor is doing and how that will.impact customer merchant decisions in the us. Then go right ahead.
you can only be a silly little zip fan boy for so long. Just asked Taxed. Zip gobbled him up and spat him out after taking half his dough. Now he has to resort to making Pizzas in his uncle's pizza joint on weekends just to make ends meet.

2. Ok now the wake up you friggin idiot moment.
The market share quotes given by both zip and Afterpay.... Here goes.... Assumes a 100 % saturation, ie every single adult that can decides to use a bnpl service.....and the penny drops..... They will NEVEar get 100 percent saturation. 13.7 million people have a credit card in Australia. And that's dropping.
bnpl is micro debt. Many younger generation are moving away from credit card and microdebt. They aren't stupid. Afterpay and zip is no different to a credit card in that it provides money to people to buy things with money they don't have! It's debt! So you'll never get 100 percent of adults having bnpl. So the TAM is considerably smaller than is written in glossy ppts.

3. There was much talk Amazon US may sign as an exclusive since in Australia they use zip.... Mmmmm eerrgghh that moment is gone! Kapoor. Zilch. Nada. Ugh no dear. Sorry pal. Afterpay has basically said to Amazon and the majors; hey we are going to show you how good Afterpay is by offering it for free to our customer base.... Wow. It's a double whammy. Hits quadpay in terms of no longer any differentiator. The biggest complaint with Afterpay in US is that it couldn't be used in several major retailers. That's gone now.kapoot freuline.

Watch the gap in new customers of Afterpay and quadpay widen. As more customers now sign into Afterpay no reason to have received bnpl in the us now. Yyyeeoouucch!!!
Looking forward to seeing just how much money zip is loosing in their half yearly coming up. That will be eye opening.


and don't reply all shocked when the news comes out. Many people have wanted you of the upcoming results. You'll be joining Taxed soon. At his uncle's pizza joint. Zip will suck you in and spit you out like it did with him.

Good luck kid.