I think the future for Zip is bright.Reasonably solid growth,...

I think the future for Zip is bright.

Reasonably solid growth, and emerging presence in numerous markets.

Good opportunity to diversify revenue streams (savings accounts, share/crypro trading, business loans).

I think BNPL is quite popular especially amongst young people, and has plenty of room to grow/replace credit cards. And once you have a good customer base you can continue to tap into that same customer base for additional revenue as mentioned above.

There are lots of seeds planted that we have yet to see transform into their full potential - for example the Microsoft browser deal.

And at the moment it feels like overall spending is low due to covid, but once we move past that people will be eating out more, shopping more, travelling more etc. People have lots of money saved up and ready to spend in my opinion.

I look forward to seeing how things grow/develop over the next couple years.