Zilch and Rezolve Ai Partner to Scale Intelligent Commerce for UK Retailers
By Lauren Towner · 21 July 2026

Quick Summary
Zilch has partnered with Rezolve Ai to integrate the Reward platform into its Intelligent Commerce ecosystem. This collaboration allows UK retailers to offer flexible payments and fee-free credit to Zilch’s 6 million users, leveraging AI-driven data to drive measurable sales growth and precision customer targeting.
How Does Zilch Solve Retailer Engagement Challenges?
Zilch addresses the disconnect between retailer marketing spend and actual consumer conversion by utilizing its AI-powered Intelligent Commerce platform. By partnering with Rezolve Ai, Zilch provides brands with direct audience access to a highly engaged user base that prioritizes flexible payment options. This integration allows retailers to move beyond generic advertising and utilize first-party spend data to deliver personalized offers.
- Access to over 6 million customers actively seeking value.
- Real-time insights into omnichannel customer behavior across thousands of merchants.
- Ability to offer subsidised credit options both in-store and online.
What Results Has Intelligent Commerce Delivered for Brands?
The flexible payments model combined with Rezolve Ai’s Reward infrastructure is designed to maximize return on ad spend (ROAS). Brands currently utilizing the Intelligent Commerce platform have seen a 20-50% increase in ROAS, alongside significant top-line sales growth. By bridging the gap between banking and retail, the partnership ensures that every transaction provides data-backed value to the merchant.
- 20-50% boost in reported return on advertising spend.
- Full-funnel attribution for online and in-store customer journeys.
- Over £2.5 billion driven to partner merchants annually by Zilch.
How Does This Partnership Benefit the UK Consumer?
For the end-user, this collaboration expands the availability of fee-free credit across a much wider network of UK retailers. By integrating Rezolve Ai’s extensive retailer network, Zilch users can now manage their cash flow more effectively at more locations. The focus remains on optimising cashflow and maximizing the value of every pound spent through a smarter alternative to traditional high-interest credit cards.
"Our focus has always been on giving customers more from their everyday spending by offering more flexible ways to pay and more value from every transaction. This partnership with Reward significantly expands the range of retailers our customers can access subsidised credit in-store and online through Zilch. It also brings more great brands onto Intelligent Commerce where we can help them connect with our highly engaged customer base in the most effective way." said Andreas Andreou, Chief Revenue Officer, Zilch.
FF NEWS TAKE:
This partnership definitely moves the needle by proving that flexible payments are no longer just a checkout tool, but a sophisticated marketing and data engine. By linking Rezolve Ai’s merchant reach with Zilch’s high-intent user base, they are creating a powerful Finance Media Network. This shift toward AI-driven, data-heavy commerce infrastructure is exactly where the industry is heading to survive the tightening retail landscape.
Companies in this story: Zilch, Rezolve Ai, Reward
People in this story: Daniel M. Wagner, James House, Andreas Andreou