I believe this is what the market is failing to price and is where the true value lies with this business. Zip has identified that they use pocketbook for data analytics and credit decisioning, therefore have access to app users savings and spending habits. That is extremely powerful and something someone would pay a lot of money for.
A personalised tool to help users track selected stocks. Delivering real-time notifications on price updates, announcements, and performance stats on each to help make informed investment decisions.