News: APT PayPal Australia takes on Afterpay with no-late fee 'buy now, pay later' offer, page-7

The future is not about lending as much money to as many people as you can and charging them in as many ways as possible. That is what banks do which is becoming increasingly on the nose to the customer (particularly when they charge for no service at all). You look at everything through the prism of a business banker, so are completely unable to understand the long term strategy Afterpay is employing.