Chart - Z1P, page-15922

it all sounds good, but how does waving at a fintech conference full of IT gurus and applied finance majors, benefit zip.

I would much prefer to have had a world leading marketing team; one brand, and a tonne of cash to throw at celebrities and influencers, while in the other hand, world beating retailer exclusives and major revenue verticals who can help promote

it was only 6 months ago zip started to go crazy on their marketing spend. About 4 years too late. All those cap raises instead went on funding random acquisitions.

instead zip went it alone, with no global exclusives, minimal
spend on marketing, a huge spend in M&A (which they then had to rebrand), and a slow to market inferior marketing plan.

the inorganic (acquired) growth was nice, but came at enormous costs, but the organic growth was incredibly underwhelming

All in my own opinion, do your own research