APT went public in 2016. Z1P went public in 2015.
SPT went public in 2019.
At the end of the day, think of the subprime lenders before GFC, borrowers could borrow without necessarily able to pay back. Some BNLP even let you repay with credit cards... doubling or trippling your debt limit.
SPT is not in this game as it uses existing credits on credit cards, which are subject to stricter lending criteria.
SPT - Best VALUE BNPL Share, page-395
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