I told you good time to buy, page-544

are you not concerned from within that same report that TTV in usa is down 16% QOQ
TTV in anz is down 30% QOQ

rest of world was up qoq but this growth come in the form of inorganic growth via acquisition.

where there should be organic growth zip failed miserably.

zip said they want to focus on path to profitability noting the focus on anz and usa, and these had substantial drops in TTV.

all in my opinion

also note receivables did not drop in anz unlike its ttv, meaning users have more debt but spending less.
bad debts have never been higher and arrears also never been higher.

im genuinely curious to your positivity. im open to see some positive outlook. i just cant find it.