While I haven't been the biggest fan of APT and you can see from...

While I haven't been the biggest fan of APT and you can see from the history of my posts but the points you put out is pretty flawed and pure down ramping.

Its like me saying this recession could bankrupt all other BNPL and only APT will come out alive and strong due to the fact that like you said yourself a first mover advantage. In regards to this APT still does have the first mover advantage this is evident in the number of users.e. So if a business wants access to this X amount of user base then some business may see this as a advantage and is willing to pay additional commission. A study was done mid last year said business that have signed up to APT experienced a 20% growth in sales.