Interest rate perspective:
The lower, the cash rate the higher the risk for credit lenders in Australia.
Negative interest rates have been considered by Governor Philip Lowe. This would make Buy now pay later companies, as well as traditional lenders unprofitable overtime as seen in Japanese and Euro economies.
Where a borrower gets paid for holding a loan and a Saver gets charged interest. Hypothetically.APV’s (not a credit lender) business will succeed in a low/negative interest rate environment. Increasing productivity. Increasing income. Increasing spend. Making this company more valuable in future economies.
