I'm not the first to point this out, and I'm certainly not...

I'm not the first to point this out, and I'm certainly not downramping because I'm optimistic about APT in general; however, here's some anecdotal evidence of what others have already noticed.
Besides early/first-mover advantage I'm not sure what APT's relative strengths are if other players are able to undercut it. The attached screenshot came from a generic marketing email from the men's clothing store "Politix" and I couldn't hep but notice the pay-options getting crowded. If they (retailers) are happy to have 4x non "traditional" payment methods I don't see why they can't/won't end up with 8x ways to pay.

It's not a reason to not be in the market, but I think it would be optimistic to the point of mania to not at least consider the possibility that APT could end up being the MySpace of pay-later products to an incoming Facebook kind of scenario.