Tap and Zip has more benefits than you may think, page-46

I agree, under no circumstances should the company be having customers using Tap & Zip at merchants on the Zip platform and only getting some sh*tty interchange fee - I get there are other strategic benefits to increasing customer numbers, but as the company takes on the credit risk and they need their model to more closely reflect the higher turnover-lower interest cost metrics of Pay in 4, Tap & Zip for f*ck all revenue would be very bad. I know there are account fees, but this is a volume business and we want people generating 4% fees over and over and over etc. I agree with a comment gops made earlier that, even though I know some posters don't think much of Zip management, it's unlikely they've introduced some product to just torpedo an already successful product and would be promoting it so hard. I can only assume they're promoting it so heavily, over the busiest part of the year, because it's adding actual value to the business.