Improvements to Afterpay, page-9

By knowing more about customers cashflow, I believe there is opportunity to
1) further limit credit loss
2) be more flexible about credit limit offering - tailored to each individual at different points in time
3) negotiate more favorable funding costs (due to expected improvement of credit loss as a whole so less risk to the banks)
which I just collectively think of as credit costs.

Can't agree more about not to become a bank itself, this is not where the $$$ lies...