Zilch is a BNPL that ensures customers never over-borrow. They make use of Open Banking and AI along with soft credit checks to determine each customer's level of affordability. 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 to their customers.

What's the Open Banking use case?

Zilch is looking to distinguish itself in the crowded BNPL arena by connecting directly with customers and using soft background credit checks performed via Open Banking to determine affordability. The product can be used to garner interest-free credit at any online shop where Mastercard is accepted.

Zilch is powered by Credit Kudos