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.
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