Zip QoQ growth was 14% the most recent quarter. The quarter before was 16% over the quarter before that. This is a minimal drop at best and all the points you raised should have had a bigger impact on the company. Now Afterpay’s most recent reported QoQ numbers are 11.4% and at the same time Zip was 16% QoQ. Obviously Afterpay is bringing in more customers due to the customer base being larger, but zip is increasing at a high percentage than Afterpay. If these issues were as big of a deal that you claim I would expect a drastic change to the fundamentals. All while doing a complete rebrand of the business . Pretty impressive if you ask me
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