"Some of Afterpay’s key US challengers, including Klarna and Quadpay (owned by ASX-listed group Zip), have driven strong growth by letting customers shop at whatever retailer they want using one-time, virtual credit cards to facilitate the purchase"
Hmm, so APT is having to begin to match the lower margin business models of its competitors? And with the US 600m odd million Klarna just raised from VC a few days ago, looks like a customer acquistion war will dial up even more.
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