No need to speak for me, I don't agree with that view but it doesn't matter in the context of my comment anyway. My point is a valuation goes a lot deeper than simply comparing TTV.
From a product perspective alone APT has pay-in-4, Z1P has pay-in-4, pay-anywhere products and consumer financing products like Z1P money. All of them have different risk profiles, different margins, different impacts on growth, different accounting treatment from AASB 9 perspective etc.
So you may have a very simplistic view that QuadPay's pay-in-4 is better (that's fine, you can think that) but you cannot deny everything else I've listed creates distortions to any simplistic valuation that is done based purely on TTV.
No need to speak for me, I don't agree with that view but it...
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