hi, where did you find those numbers? I just went through the Zip 2020 annual report and couldn't see any specific numbers relating to how they generate revenue. i might of missed it i suppose. I vaguely remember numbers of 40-50% of revenue being from merchant fees, but I could ve mistaken as I can't even remember where I saw that being said.
on Afterpay I found under 20% of revenue generated from customer late fees, however couldn't find a quote saying <9%.
I'm trying to get a better grasp on these companies, so would appreciate if you can point me to the appropriate reports (and hopefully page numbers haha) for these figures, cheers.
New Code of practice for BNPL, doesn't affect Zip, page-106
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