the issue is if that wallet wizard is being used to finance afterpay repayments, then afterpay gets paid first and ccp is left holding the bag.
if 40% of wallet wizard customers are bnpl users. and if 10% afterpay users are suspect. its quite likely a high % of that 10% could well concentrate into wallet wizards books too, such that a large % of the 40% bnpl wallet wizard customers are dodgy credit.
ccp has been aware that wallet wizard is being used in the bnpl segment for (at least) 9-12 months now. however this is the first ive seen it mentioned in the public domain.
the issue is if that wallet wizard is being used to finance...
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