Zilch, the consumer payments platform powering commerce, unveiled product developments marking the next phase of its growth. Recently, the company has introduced Zilch Intelligent Commerce – an AI powered data intelligence platform for retailers and brands to potentially increase their return on ad spend when working with the Fintech firm.
The company has also announced it is set to introduce Zilch Pay in H1 2026, offering consumers with one-click checkout to lower friction at payment and potentially increase conversion rates.
These update come as Zilch marks its 5-year milestone of doing business as EMEA and the UK’s fintech platform. Since inception, the firm has claimed surpassing 5 million registered customers and processed almost half a billion payments generating more than £5 billion in Gross Merchandise Value (GMV).
Zilch also mentioned that it maintains what it claims is one of the most comprehensive sets of first-party spend data in the market, fueled by utilisation and engagement.
According to the announcement, customers open Zilch’s app over 25 times every month, pay with Zilch “almost 60 times a year, and its most engaged users now do so daily.”
Bringing retailers the ability to now track 100% of the customer sales journey online and offline, Zilch Intelligence Commerce says that it transforms this live engagement data “into real-time insights, based on customers’ entire shopping habits and histories across thousands of merchants.”
The AI-enabled platform then allows retailers to automate targeting the right customers, at the right time, with “the right offers like never before to dramatically improve ROAS.”
This power of personalisation is key, with research from Zilch showing that 71% of UK consumers have “made a purchase after receiving a personalised advert or recommendation.”
Since Zilch Intelligent Commerce went live, brands have reported a “20–50% increase in return on ad spend (ROAS), all automatically optimised by Zilch’s AI agents.”
As the ecosystem of retail enters the new phase of agentic commerce, brands continue to face a challenge, “tracking exactly where their advertising spend delivers real impact.”
This lack of visibility costs billions in wasted advertising budgets every year – a problem that “predates the agentic shift, with 59% of consumers saying they rarely, if ever, see a personalised advert that interests them.”
This is because quite often, critical attribution data is lost along the customer journey.
Zilch Intelligent Commerce is changing the way the industry tackles this issue, delivering “full-funnel visibility so brands can predict, identify and optimise every pound spent, whether the purchase path is powered by a person or an AI agent.”
Zilch is also announcing the launch of Zilch Pay.
To be released in H1 2026, the one-click button will see Zilch available for brands at checkout, “connecting its app, digital wallet and card.”
It will allow consumers to purchase products seamlessly, improving their shopping experience while potentially boosting conversion rates for brands and lowering cart abandonment.
Philip Belamant, CEO and Co-Founder of Zilch, said:
“With the launch of Zilch Intelligent Commerce and Zilch Pay, we will accelerate our mission by giving retailers and brands full visibility and real-time intelligence to automatically optimise ROAS as campaigns unfold.