O firmie

Zilch its unique over-the-top Buy Now Pay Later (BNPL) business.

The London-based fintech launched its BETA product in August 2019 and has been operating in stealth mode until now. Zilch has experienced a huge amount of traction in the young millennial and GenZ market and has been growing by more than 10,000 new customers a month.

Zilch is the first over-the-top (OTT) BNPL product that allows its customers to shop wherever Mastercard is accepted and spread their payment over 6 weeks for zero interest and zero fees whenever they chose to buy from one of Zilch’s 5,000+ retail affiliate partners.

Zilch ensures that customers never over-borrow by making use of Open Banking and AI to determine each customer’s level of affordability and only funds low-value discretionary purchases. As a result, Zilch’s customers rarely default and make use of the product as a cash flow management tool, which has proven to be of huge value during this COVID period.