stefan is 100% correct.
Zipmoney is a drag, they need to jettison that product because it makes it too difficult to control bad debts, compared to the lower ticket revolving zippay.
and despite the positivity coming out of opy, I'm bearish on this stock for the same reason outlined above. ie higher ticket revolving bnpl are not ideal in minimising loss.
the only upside with zip is their acquisition of quadpay. overtime this product will demonstrate to zip executives the value in transactional bnpl products
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