Bnpl still has further to fall; insurmountable losses; zip only...

Bnpl still has further to fall; insurmountable losses; zip only has cash to cover til sept 2023 it needs 9 months more before any profits; liquidated Oct 2023

regulation- is bad- increased costs for zip to meet regulatory requirements; costs and risks of ombudsman escalation; the inevitable bad news you gave credit to people who shouldn't get it; possible class action suing zip for irresponsible lending
increased scrutiny by regulation
Zip first one regulated in Oz. What about US where most of their business is?

What about competition like Apple pay 4?no merchant fees merchants are 3-6% better off. Consumer no different.merchsnt choose apple Pay 4

interest rate rises don't slow down. First they speed up. Inflation keeps increasing at faster rate. In the US last month grew 1.3 %. That's 30% faster than the month prior at 1%
us increases rates even faster to curb inflation.
We hit recession. Mass job losses. Crime. Riots. Ww3 Russia launches nuclear attack on Ukranr city to end invasion. The nuclear blast causes stocks globally to crash 50% overnight in fear of ww3