I think that's the reason why ZML is down due to APT recent...

I think that's the reason why ZML is down due to APT recent signings of major retailers and businesses.

For me 200mill for ZML is too high for a business making 20 mills lost last financial year. I do believe ZML has the better algorithm cf to Afterpay with lower bad debts but Afterpay has a better money making model but with riskier customers on there books - where they make money good money from those penalty fees.

I would like to see how their partnership with Westpac going to pan out before investing. Hopefully, the next quarter will review something. I believe they mention they aiming for cashflow even by half of FY18? Please correct me if I'm wrong

Cheers