I have done my research and you have just reinforced exactly...

I have done my research and you have just reinforced exactly what i have said. Of course they advertise it at checkout, i meant that no where else on these websites do they mention splitit aside from at checkout. Where is the brand awareness that they need in order to not be absorbed overnight by a insto? Have you seen how businesses flog their afterpay offering in store and online?

Who the heck are Ocean Rodeo? a quick google suggests they have revenue of around $5m. this would be a fraction of the revenue a single decent urban outfitter store has. As i said, they dont have a single merchant of substance. They are generating revenue of 1.5m and are worth 250m. afterpay are generating roughly 100x that and are worth 40x their fees while having some of the biggest retailers in the world on board with significant brand recognition.

Please dont confuse this for an APT plug, they are also well overvalued at this point in time however at least their is a semblance of reasonable justification for it. They have a track record of being able to lure in the big fish - splitit have none.