and this is IMO why Z1P has got it over all other BNPL players including juggernaut APT. Better quality, credit checked customers who pay on time. Only 1% of Z1p customers apparently according to Larry pay the late fee vs 1 in 5 for the other players. They’re offering a financially responsible product solution that puts the customer first, and in charge of their finances. Much much less risky than all the bad debt losses weighing down APT. Win win.
Possible target price of $15-20, page-2179
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