The short term problem with SPT impacting the SP is they are acting ethical and playing by the rules and at these time being professional.
I haven't seen allot of this from other players in the AUS market..this is just me..
I have no doubt others are ruthless in doing in competitors and frankly their short term value proposition is better on paper (new credit for customers, new customers from association and apps)..
I still think in a global market SPT is going to get there (maybe not so much aus in short term).. 'watch the space' of the other players - in particular where customers are in AUS and not making their payments on time... at some point it's gonna get harder
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