US market expansion Zip Co is actively expanding its U.S. unsecured installment lending via a new banking partnership with Column N.A. and plans to launch Zip Cash, signaling growing opportunities to cross-sell credit and payment products to U.S. merchants and consumers.

AI-driven product Zip has partnered with Google Cloud to build an AI-Native Product Factory to rapidly develop, test, and launch U.S. products and experiences, creating opportunities to offer AI-enhanced lending, risk assessment, and personalized offers to merchants and customers.

Strong revenue growth With FY24 revenue of $868M and 75.7% annual growth over three years, Zip demonstrates robust demand and scalability potential, suggesting sales opportunities around expanding merchant networks and new product lines in both ANZ and the U.S.

Merchants network Zip connects millions of customers to tens of thousands of merchants, indicating potential upsell and integration opportunities for POS financing, digital payments, and extended credit services across partner networks.

Leadership and governance Recent board additions and leadership appointments, including an independent non-executive director with broad governance experience, suggest stability and a willingness to pursue strategic partnerships and enterprise deals with larger merchants and financial institutions.