AFR Winner

Employees: 20-99

Zepto’s Financial Hardship Collections innovation makes it easy for consumers to set up and control their debt repayment plans. Using open banking, real-time digital consent and payment initiation, Zepto matches someone’s capacity to pay with their willingness to pay.

Zepto’s innovation reduces recovery costs and increases recovery rates for lenders and minimises failed direct debits and dishonour fees that exacerbate financial stress for customers.