SWOT Analysis The biggest difference between traditional business model is that Afterpay is very easy to register and it is no interests and other fees if customs paid on time. Afterpay can avoid cumbersome paperwork applications and does not need to provide proof of income funds, the application time can be greatly shortened (Finder, 2019). In terms of risk, Afterpay has its own system to evaluate potential fraud and repayment capabilities of their customers, and those data are updated continuously. When it comes to opportunities, as known to all, the US is the world's largest economy and has the highest per income capital. Millennials in US prefer new payment method rather than traditional way. (Business Wire, 2019). As for weakness and threats, Afterpays's regulation is lax, so it may exist some legal risk. And inventory turnover problem may cause some bad effect on long-term operating of afterpay.Finally, because of US is different from AU, Afterpay has to fix all the problem of US law and regulations