ZIP 4.35% $2.20 zip co limited..

Z1P should rally very strongly, page-16

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    But credit cards have a margin of 18%-21% and charge interest to the consumer.
    BNPL is the opposite, pay in 4 with a 6% charge to the merchant- this model may be appealing to a consumer who can’t afford a product, it’s terrible for any investor- there’s no real benefit for investors with a 6% margin gain….
 
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