I agree with this. When I think 10 years from now I can see APT...

I agree with this. When I think 10 years from now I can see APT being a payment provider around the world with many different ways of making money. Obviously the core business of providing payments in 4.

Then the Afterpay market place that provides millions of lead referrals to merchants daily. This can provide massive revenue. How much would Urban Outfitters pay to be the first shop you see when you open the app that has millions of users each day?

How will Afterpay be able to leverage their big data to benefit merchants? We have already seen Afterpay provide aime insights into really granular detail e.g. what day of the week are customers most likely to buy a pair of jeans? This can be useful information for merchant when creating sale events or drop a new product.

Afterpay currently has one product in pay-in-4 but there is little reason that they cant branch out into more products down the line.

But maybe I'm just a dreamer?