Zip Co Ltd. · ASX:ZIP

Zip — Investor Presentation (September 2026)

12 slides from Zip's investor presentation, Sep 28, 2026

  1. Slide 1: Investor teach in: AI and agentic commerce

    Investor teach in: AI and agentic commerce Zip Co Limited 28 September 2026

  2. Slide 2: The AI opportunity: positioning Zip for the agentic future of commerce

    Agentic commerce The AI opportunity: positioning Zip for the agentic future of commerce Zip is evolving from AI accelerates the AI is reshaping how digitally native to AI velocity of Zip's customers discover, powered two-sided revenue decide and transact model Innovation embedded in DNA Improved cus

  3. Slide 3: Zip's AI strategy: embedding AI across how Zip builds, operates and serves its customers

    Agentic commerce Zip's AI strategy: embedding AI across how Zip builds, operates and serves its customers Workforce productivity and velocity: 100% of employees are AI-augmented in their AI powered people everyday work. AI-native value streams across product and engineering, credit, finance and AI po

  4. Slide 4: The customer: wants AI assistance but keeps control of the payment decision

    Agentic commerce The customer: wants AI assistance but keeps control of the payment decision 9 in 10 comfortable with AI AI usage is becoming mainstream, but customers still Adoption want control over purchase decisions recommending purchases; about 1 in 3 with autonomous action Safety, privacy and

  5. Slide 5: Agentic commerce: agents compete for the shopping journey, not the payment or the lending

    Agentic commerce Agentic commerce: agents compete for the shopping journey, not the payment or the lending Agentic shopping Payments and lending The agent discovers, compares and acts for the customer. Wallets, tokens, rails and credit. Availability anywhere the customer wants to use Zip has always

  6. Slide 6: Transaction flow: human-led vs. AI-led transactions

    Agentic commerce Transaction flow: human-led vs. AI-led transactions Traditional consumer-led transaction Payment execution Product discovery Selects payment (search, price Checkout page method Acquirer Network Issuer Lender comparison) Consumer AI-led transaction Payment execution AI decision layer

  7. Slide 7: Technology review: the agentic stack, layer by layer

    Agentic commerce Technology review: the agentic stack, layer by layer Unified Trust Layer Know your agent Auditability Trust and accountability Open-source, provider-agnostic trust Identity, behaviour and reputation Evidence of intent, permission and action Emerging, not yet standards signals carried

  8. Slide 8: Agentic payments: Zip is present in the payment layer and expanding

    Agentic commerce Agentic payments: Zip is present in the payment layer and expanding Agentic shopping Where AI assistants, search, social platforms and retailers compete. Every path below is one they pay through. Payments and Trusted transaction Agentic-native tokens Wallet capable shopping layer St

  9. Slide 9: Market signals: the same pattern, every launch

    Agentic commerce Market signals: the same pattern, every launch Agent type What they launched How the payment is made In-chat checkout launched, then withdrawn in favour of routing shoppers to AI assistants merchant checkout Processors and wallets on an open protocol Open commerce protocol spanning

  10. Slide 10: AI at Zip: AI makes Zip stronger, and the value moves toward Zip

    Agentic commerce AI at Zip: AI makes Zip stronger, and the value moves toward Zip Building with AI Where the value sits Underwriting appreciates 1 Zia (US) and Zigi (AU) ✓ When agents rank financing on approval, limit and terms, In-app AI assistants, live and expanding. proprietary underwriting matte

  11. Slide 11: Wherever commerce happens

    Wherever commerce happens Online, in-store or through AI: the customer chooses, and Zip is there. Thank you

  12. Slide 12: Disclaimer & important notices

    The information contained in this presentation has been prepared by Zip Co Limited ACN 139 546 428 This presentation may contain certain “forward looking statements”. Forward risks, uncertainties and Disclaimer (Company). This presentation contains summary information about the current activities of

Zip — Investor Presentation (September 2026) on 6ix