RBA announcement is nonsense, page-60

Years ago my computer nerd husband told me about this new way of sending mail via a computer- he happened to be talking about emails. I told him very confidently that it will never take off because it’s success relies on every household having a computer. How so completely wrong I was!!!! My naievty taught me a lesson about thinking into the future and the need to innovate. APT and BNPL is innovation. It is the future! My children and all their friends have confirmed this. It’s the same excitement that was around when people got their first credit card. Credit cards were disrupters of layby and BNPL products disrupters of credit cards. Disrupters are the future. I’m staying long on APT. DYOR