Afterpay is a people owned movement where the customers are so engaged with the brand that they will 1. recommend it to others, 2. demand that other retailers get it and 3. search to shop on websites that offer it. Why? Because it's genuinely free and zero cost - all upside for the consumer.
Affirm and Klarna are just another business offering credit, and in it to make money off the consumer.
People are not stupid.
(Klarna might have deals with that many retailers, but they are not doing anything like the numbers Afterpay is doing, or growing at the rates APT is growing)
APT Price at posting:
$18.57 Sentiment: Buy Disclosure: Held
