APT growth has slowed to only ~30,000 per month as it reaches saturation of its available addressable market in Australia.
Doubt Klarna users are new to BNPL just switching from APT Zip or utilising all three.
Either way going to lead to dilution of APT revenues in ANZ
Share price is priced to reflect stellar growth, but that's starting to flatten
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Klarna nonsense, page-6
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