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本帖最后由 river521 于 2020-5-8 11:52 编辑
Z1P今天出了利好，4月份业绩全面大增，股价大涨13%， 不知道不会不走出和APT一样的行情呢？
感觉APT是先买后还款方面的龙头股,已经基本回到$40左右了，Z1P还是小弟级别的，能否短期到$4呢？
求大神来分析一下。
更新 --在网上找到了ZIP 和APT的对比文章。 可以看出APT是需要消费者预先存入一定额度的钱才能消费的，申请更容易，但是对商家收费高，但是ZIP不需要顾客的预存款，不过每个月要收月费。两个我都没用过，还是习惯用credit card。我注意到APT最高额度可以批$2000， ZIP最高只有$1000额度。从消费者的角度看APT应该更好用。APT在美国市场做的不错，而且有望进军中国与腾讯合作，这都是潜在增长点。
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Pros and Cons of APT
Pros
Approval is a simple and easy process for consumers.
Afterpay pays your business straight away for the products, minimising the risk of profit loss.
Easy integration for returns/refunds.
Cons
The consumer is charged a $10 late fee if they’ve missed a payment. A customer could take their dissatisfaction with this fee out on your business.
Your business is charged between 4-6% per transaction depending on order value.
Customers need a quarter of the sum total available in their account prior to purchase, which could prevent them from following through with the purchase.
Afterpay is an incredibly popular BNPL platform for many consumers and can help your customers pay for items they may not have bought without the option of BNPL.
Pros and Cons of zipPay
Much like Afterpay, zipPay is another payment method which allows your customers to buy products immediately, and then pay back zipPay over a set period of time.
Unlike Afterpay, which has a set amount due over four weeks, zipPay allows the customer to set up their own payment schedule dependent on their individual needs.
Pros
zipPay pays your business on the same day of sale, so you won’t risk any profit loss.
Customers can set up their own payment schedule, so your business can capitalise on this flexibility (customers are charged $5 for any balance owing after the first month).
The fees are lower than Afterpay (by about 2%).
Easy integration for returns/refunds.
Your customers don’t need any money in their account prior to purchase, they simply need to set up the payment schedule.
Cons
You pay a single fee per transaction based on your total monthly zipPay payment volume (up to 4% for small businesses)
Consumers can blame your business for any charges associated with using this payment method (though technically not the fault of the business) |
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