Intelligent SME.tech Issue 47 | Page 65

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// SCALING UP //

ILCH IS A direct-to-consumer

Z ad-subsidised payment network , with the vision to eliminate the cost of consumer credit . For good . Leveraging its unique vertically integrated , first-party data business model , Zilch brings unrivalled value to customers and retailers alike .

Zilch provides millions of customers the freedom to go anywhere in the world and when they pay , earn up to 5 % cashback and rewards on debit payments ( Pay Now ) or spread interest-free credit repayments over six weeks ( pay in four over six weeks ) and in the process helps build their credit profiles with the major credit agencies while keeping them protected . In just over three years , Zilch has amassed more than 3.6 million registered customers .
The challenge

1

Cloud integration : Although Zilch predominantly utilised AWS , it recognised the advantages of multi-cloud integration , especially the resilience and access to distinct tools specific to different cloud partners .

2

API management : Zilch had a keen interest in Apigee , a Google product designed to unveil APIs and endpoints to chosen external associates . This tool was crucial for Zilch ’ s growth strategy and its aim to integrate with third-party aggregators , like comparison websites . Its ready-to-use features can streamline processes , allowing

ALTHOUGH ZILCH PREDOMINANTLY UTILISED AWS , IT RECOGNISED THE ADVANTAGES OF MULTI-CLOUD INTEGRATION , ESPECIALLY THE RESILIENCE AND ACCESS TO DISTINCT TOOLS SPECIFIC TO DIFFERENT CLOUD PARTNERS .
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