Zilch launches AI platform for real-time retail personalisation

By Vriti Gothi

Zilch has launched two product innovations, Zilch Intelligent Commerce and Zilch Pay, marking the next phase of its rapid, data-driven growth, to gain full visibility across the customer journey, both online and offline.

Leveraging one of the most comprehensive sets of first-party spend data in the market, the platform transforms customer engagement into actionable, real-time insights. Customers interact with the Zilch app more than 25 times a month and make payments almost 60 times a year, providing retailers with a rich and continuous flow of data. By harnessing this insight, Zilch Intelligent Commerce allows brands to target the right customers at the right time with personalised offers, dramatically improving Return on Ad Spend (ROAS) while reducing wasted media spend.

Early results from the platform’s beta launch have demonstrated its transformative potential, with one major grocer reporting a 55% increase in average customer spend, another retailer growing market share by more than 15% in just 30 days, and a global travel brand achieving nearly 52% of new-customer conversions powered by Zilch, almost meeting its annual acquisition targets in six months. Across participating brands, the platform has driven 20 to 50% improvements in ROAS, all automatically optimised by Zilch’s AI agents. In an era of agentic commerce, they are addressing the persistent challenge of attribution, delivering true end-to-end visibility and enabling brands to predict, identify, and optimise every pound spent across complex customer journeys.

Alongside this intelligence platform, Zilch is preparing to launch Zilch Pay in the first half of 2026, offering a seamless one-click checkout that integrates the app, digital wallet, and card. The innovation is designed to enhance the consumer experience, reduce friction at payment, and improve conversion rates while lowering cart abandonment for retailers, ensuring a smoother and more efficient path from engagement to transaction.

Philip Belamant, CEO and Co-Founder of Zilch, said, “In just five years, Zilch has transformed how brands and consumers connect – and today marks another major leap forward. With the launch of Zilch Intelligent Commerce and Zilch Pay, we will accelerate our mission by giving retailers and brands full visibility and real-time intelligence to automatically optimise ROAS as campaigns unfold. Once you’ve seen a agent pause, rework targeting based on live conversion data, and reallocate budget to maximise performance, the old way of manual campaign management feels archaic. With this breakthrough product, set to once again redefine the landscape, bringing consumers closer to the brands they love, and brands closer to the customers that matter most.”