The U.S. CEO of Zip has heard all kinds of knocks against Buy Now, Pay Later. In a wide-ranging conversation, Joe Heck tells Mary why the critics are wrong and why judgment has no place in personal finance.

Loans through Zip are originated by WebBank.

Show notes:

• Zip

Chapters:
[0:00] Welcome & Intro to Joe Heck, CEO of Zip
[1:01] Defending BNPL Against the Skeptics
[2:39] From Flint to Fintech: Joe’s Early Money Views
[5:07] Why Budgeting Tools Fail Like Fad Diets
[7:44] The Role of AI in Personal Finance
[10:17] Happy vs. Sad Spending: Making Money Simple
[14:11] BNPL for Groceries & Small Purchases
[18:05] Loan Stacking, Credit Scores & Myths
[26:08] Zip’s Global Roots & BNPL Adoption
[29:38] Final Thoughts & How to Reach Joe

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