Field Research and Anecdotes, page-25

"It is interesting to me that APT has positioned itself as a service that allows broke people to spend money." How has APT positioned itself as that? They have in-fact done the opposite. Payday lenders do that.
"Established adults will never use APT because it signals very clearly that they are broke!" again the average age of a user is 32. For every 19 year old there is a 45 year old user.
" I found some evidence that higher quality establishments used zippay." So you don't consider BBQ's Galore, A-Mart, Myer, Country Road, Rebel Sport, Adairs etc as quality establishments?
Have you considered the 2 click process for online orders is just easier than inputing an entire credit card number?
Your anecdotes aren't even correct. Please do some actual basic research before making these misleading statements. Start with the last 4 company presentations. All the Info I am referring to is contained in those presentations.