“If you look at when Amazon started, many commented on it being a phenomenal bookstore, but they built an infrastructure to sell everything. They could have built that covering different booksellers one by one but Amazon went direct to the consumer and said it would ship any book in a day. How profitable is not your problem,” he said. “We didn’t want to be beholden to the retailer and wanted the relationship with consumer. We go to them and say, pay over time, and use us anywhere you like. We built this technology plugging them in on one side and plugging retailers on the other. We can now build up any way to play and can use it anywhere they like without being restricted by retailers.”

https://techcrunch.com/2021/04/19/uks-zilch-raises-80m-at-a-500m-valuation-for-its-direct-to-consumer-buy-now-pay-later-service/