đź’ł What if your credit card charged no interest, earned you rewards, and was funded by the brands you shop with?
That’s the model behind Zilch, a UK-based payments and credit platform that blends adtech and lending. By using brand advertising budgets to subsidise consumer credit, Zilch has redefined how people borrow and how merchants reach customers.
🎙️ In this episode, Gautam Pillai, Head of FinTech Research at Peel Hunt, speaks with Philip Belamant, Zilch’s CEO and Co-Founder, about how the company:
• Built a two-sided platform with 20+ affiliate networks from day one
• Reached over 5 million customers and profitability in under four years
• Uses AI to predict user intent and personalise offers with 92% accuracy
• Merges product, payments, and commerce into a new consumer finance category
🎧 If you’re interested in payments innovation, platform economics, or AI-driven commerce, this is one not to miss.
