Zilch CEO Philip Belamant joins David to explain how he’s taking on one of the UK’s biggest financial challenges: the cost of consumer credit. Philip shares the personal experience that triggered his mission, outlines Zilch’s sustainable model for affordable borrowing, and explains why profitability—not just scale—has shaped every strategic decision. From fraud prevention to AI commerce agents, this is a founder’s story grounded in intent, execution, and long-term value.

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