For anyone who understands credit, credit risk and quantitative credit risk models will know there is a simple reason why Afterpay doesn't do credit checks while the likes of Z1P and Klarna do.
If you want to understand please take the time to read my Objective Analysis on it:
https://hotcopper.com.au/threads/ob...cks-vs-no-credit-checks.5486835/#.XyCvu0UzaUk
@thebarry111 please stop spreading rubbish, it's clear that you don't understand Afterpay's growth, path to profitability and it also appears that you think doing credit checks is costly and will make Afterpay "bleed". The credit checks aren't a cost issue, it's a timing issue making it slightly less convenience to sign up customers.
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