nothing has really changed, PayPal has entered however their...

nothing has really changed, PayPal has entered however their business model can match 'zip pay' but can't mimic 'zip money'. the big four have introduced or starting to introduce interest free cards but for e.g. commonwealth has introduced a interest free card which has a 12 dollar monthly fee, therefore not posing a threat to both zip money and zip pay. Besides this, can see Zip Biz gaining significant traction within this financial year as it seems Zip co have set the standard by signing up e-bay as their first merchant for the new zip biz. So yeah, nothing has significantly changed since about when the SP was $9+, however it was overvalued at the time. Today, we see that there's heaps of shorts coming on board to consistently point out the negatives of the business... well yes there are some negatives in every company I'm just wondering why now these handful of people who are on these threads seem to be repeating the same negatives.