Once Afterpay has captured the pay-in-4 market I dont see why Afterpqy wouldn't go down the path of consumer finance like ZipMoney. Its less lucrative, sure but would still present net positive value. It opens up other opportunities such as securitizing the receivables for cheaper funding, something Z1P is already doing.
Anyway, the take away is that APT has many many options
Improvements to Afterpay, page-14
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