NOV Chart, page-588

In so far as the potential to take off, yes.

The business models are different though. Afterpay (Zip etc) are the B2C (Business to Consumer) provider where Nov are the B2B (Business to Business) infrastructure provider (Rails) that the B2C model require to deliver to market.

Having said that, Novatti are very broad at the moment and i suspect they will need to focus on being the Rails and an EBank and possibly Egift cards. That is a lot of potential and each are a stand alone business model that will need expertise, attention and market focus to be successful.

This will play out and who knows where Novatti's core business markets will be? all part of the excitement of getting in early

I'm sure @steve10 can enlighten us banking and finance is not my skill set so this is all just my understanding. Happy to get input form others as always.