Ease of Use APT vs. Z1P, page-4

I might be in the minority here but I'm really happy to have a competitor in the mould of Zip (I will note that APT is my only holding in the BNPL sector).

I don't want Afterpay offering carte blanche loans/finance and also want a maximum debt amount to remain for users (up to 2k as I understand).

I really think the fee model is the differentiator though. Can see why retailers like Zip, but consumers at least to this stage are Afterpay leaning. For a generation trying to avoid unnecessary fees and charges (and interest) I think it will continue.

Happy for different style/offering competition, not sure that anyone can take Afterpay on with the same model, but that would be the only competition that worried me.