Hi PH441324i think you have hit the nail on the head and that...

Hi PH441324

i think you have hit the nail on the head and that even your 10 year number is not to be scoffed at.

Facts post used the key word .. "dinosaur," being what the banks likely represent to millennials, whom the banks can't get to subscribe to credit cards, so I think their lack of tech stands even behind the sheer popularity of APT and Zip for milleniels when they think about financial products.

I would never have thought a week ago that a bank would offer a savings account through a BNPL company so soon .. I think that says it all

I would think that Zip would want to become its own financial business in its own right so that future milleniel customers are dealing with it only and not a name they associate with possible lack of trust from what they may have seen and read. (My simple opinion here does not cover possible important aspects including the likes of funds being guaranteed, ratings etc, but is just my thoughts on how today's milleniels may think)

All my own opinion only

As always, best of luck to all LT holders

Dave down under