Let's not forget that Afterpay is just a product, and it has competitors. It's not the only one operating in that space. OXIPAY from Flexigroup is an almost identical product, as is ZIPPAY, I believe (and no doubt others in the US etc). So they have competition. So far, they seem to be way ahead of the pack in terms of brand recognition, but it won't be easy to stay there with others trying to claw market share.
APT Price at posting:
$10.99 Sentiment: Hold Disclosure: Not Held