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NEW YORK and SUNNYVALE, Calif. — Oct. 8, 2026 — Zip Co Limited (ASX: ZIP), a digital financial services company, today announced it has selected Google Cloud to build an AI-Native Product Factory designed to transform how Zip creates, develops, tests, launches, and continuously improves new products and experiences in the U.S.

In financial services, new products still move like a relay race. Research hands off to design, design to engineering, and engineering to risk, legal, and compliance. Every handoff adds weeks, and every launch starts largely from scratch. Zip's AI-Native Product Factory replaces that relay with a shared, governed agentic environment where teams work in parallel.

The initiative represents a shift from using AI to augment day-to day-work to reimagining the entire product-development lifecycle with Gemini Enterprise. Zip’s Product Factory will connect customer research, design, engineering, risk, legal, compliance, and customer experience through a shared, governed agentic environment. The strategic value of the Product Factory is designed to compound over time, enabling Zip to pursue multiple concepts simultaneously, shorten the time taken between insights and launch, and progressively lower the incremental cost and complexity of bringing new experiences to market.

“With Google Cloud and Gemini Enterprise, we’re creating a new operating model for what AI-native consumer financial services looks like in practice,” said Rory Herriman, U.S. chief technology and operating officer of Zip US. “The real power comes from combining AI with what is uniquely ours: our data, our understanding of our customers, our product and risk expertise, and the institutional knowledge we have built over time. The Product Factory turns that intelligence into a compounding advantage. Every product we build creates reusable intelligence and capabilities that make the next product faster and better. That is how we accelerate innovation at a scale that simply wasn’t possible before.”

Zip is working with Google Cloud to establish the agentic foundation that makes this possible. Google Cloud’s Gemini Enterprise will underpin the AI-Native Product Factory and Zip’s broader AI industrialization environment, where agents work alongside Zip employees across internal workflows. With access to frontier and open-weight AI models, Zip can apply the right intelligence to each opportunity while building on a common enterprise foundation.

“This isn’t just about changing how we build products. It’s about building an intelligence-driven enterprise, where our data, knowledge, and expertise continuously compound and can be applied across our products, decisions, and operations.” said Herriman.

That foundation is being designed for the realities of financial services from the outset. Security, governance, traceability, and human oversight are built into how agents access data, interact with systems, and execute work, allowing Zip to accelerate innovation while maintaining clear accountability. For Zip, speed and control are not competing objectives; building AI safely is what enables it to scale.

“Agentic commerce is changing the way consumers discover and purchase products, which requires a rewiring of how financial services are delivered so AI agents can interact at scale," said Georgina Bulkeley, Managing Director, Global Financial Services Industries Lead, Google Cloud. "The financial companies that will win in this era will be the ones that are already using agents themselves. Zip recognises this and is building a company that will be ready for it, by embedding agentic intelligence from Gemini Enterprise right into its core operating model.”

Bringing agentic intelligence into the customer experience

Zip’s AI strategy extends beyond how products are built and how work gets done internally. Zip is also developing agentic experiences natively within its products, bringing the same growing body of data, knowledge, and intelligence directly into how the company serves its customers.

Zia, Zip’s customer-facing AI assistant, will be enabled by Gemini Enterprise, creating a common agentic foundation across Zip’s Product Factory, internal AI environment, and customer-facing experiences. As Zia evolves, specialized agents will be able to work together using a single, intuitive customer experience, drawing on Zip’s growing intelligence and capabilities to understand needs, take appropriate action, and resolve increasingly complex customer requests.

“What customers experience should become simpler as the intelligence behind it becomes more sophisticated,” said Herriman. “Zia is evolving from an AI support assistant toward an agentic experience embedded directly into our products. Customers won’t need to understand which agent, system, or team can solve their problem—they should simply be able to tell Zia what they need. Behind that experience, specialized agents, our people, and the intelligence we continue to build can work together to deliver the right outcome.”

Building from an established AI foundation

“The next competitive advantage in consumer finance will come from the ability to turn insights into trusted products faster than conventional operating models allow,” said Joe Heck, CEO of Zip U.S. “We believe product velocity will become one of the most important moats in our industry and we intend to make it one of ours.” “This is growth infrastructure,” Heck continued. “It gives our people the capacity to pursue more opportunities and serve more customers without adding complexity at the same rate. We are combining human judgement and ingenuity with the speed, scale, and intelligence of AI.”

Zip is also helping develop the external infrastructure required for an agentic economy. The company is a co-creator of the Unified Trust Layer, an open-source industry framework focused on making trust measurable and portable in AI-initiated commerce.

“Together, these initiatives address both sides of the agentic opportunity. This is the progression of our strategy from AI-Powered teams to AI-Native operations,' Heck said. 'We are building a company that can learn faster, create faster, and compound innovation with every product it launches.”

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in two core markets, Australia and New Zealand (ANZ) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

About Google Cloud

Google Cloud offers a powerful, optimized AI stack — including AI infrastructure, leading models like Gemini, data management capabilities, multicloud security solutions, developer tools and platform, as well as agents and applications — that enables organizations to transform their business for the Agentic Era. Customers in more than 200 countries and territories turn to Google Cloud as their trusted technology partner.

NEW YORK, NY — October 6, 2026 — Zip Co Limited (ASX: ZIP), the digital financial services company offering innovative, people-centered products, today announced a new partnership with the Philadelphia 76ers, becoming an Official Partner of the team for the 2026–27 NBA season. The partnership supports fan engagement by providing additional, flexible purchasing options for tickets and merchandise, while bringing Zip into the game-day experience at 76ers home games.

Throughout the season, Zip will introduce a series of exclusive offers and experiences, including ticket promotions, savings on official team merchandise through SixersShop.com and at the arena, and additional experiences.

"Sports bring people together, and every fan deserves the opportunity to experience those moments," said Peter Volynsky, Chief Commercial Officer at Zip US. “We're excited to bring more flexibility and control to how people engage with the game, promoting flexible payment options within the gameday environment."

Zip's presence will also extend to 76ers home games, where the brand will appear on courtside LED signage and in-arena videoboard features during home games throughout the regular season, bringing flexible payment options directly into the game-day environment.

The partnership launches just in time for the new NBA season for the Philadelphia 76ers, extending Zip’s growing presence in sports and entertainment, where flexible payments help eligible customers confidently access the experiences they value most, from everyday spending to once-in-a-season experiences.

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in two core markets, Australia (AU) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

Loans through Zip are originated by WebBank

About the Philadelphia 76ers

The Philadelphia 76ers are one of the most storied franchises in the National Basketball Association, having won three World Championships, earning nine trips to The Finals and making 55 playoff appearances over 77 seasons. The Philadelphia 76ers organization is a Harris Blitzer Sports & Entertainment property.

Zip Co (ASX: ZIP), the digital financial services company offering innovative, people-centred products, has today released its ‘Inside the Wallet’ insights reports*, unpacking the spending habits of American and Australian customers in the second half of FY26 (1 January 2026 to 30 June 2026).

View the full US report here.

View the full AU report here.

*All figures referenced in these documents are derived from Zip internal data for the period 1 January 2026 to 30 June 2026, unless otherwise stated.

Media Contact

For any media enquiries, please contact: Anjani Shyam | Communications Manager ANZ | anjani.shyam@zip.co

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in two core markets - Australia and New Zealand (ANZ) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

Sydney – Zip Co (ASX: ZIP), the digital financial services company offering innovative, people-centred products, today launched its new Australian brand platform, ‘It Pays to Zip.’ The new brand platform celebrates the big things, the little things and the everyday choices Australians make as they move towards the life they want.

The launch marks a major milestone in Zip’s refreshed Australian strategy and brings its ambition to life: to be the homegrown digital challenger providing everyday relevance, beyond finance.

Money touches every part of life. Australians are constantly balancing what they need today with what they want for tomorrow - from keeping the household running and managing the unexpected to creating room for things that bring a little more joy.

‘It Pays to Zip’ is grounded in that reality. Built around what matters most to Zip customers - value, transparency, flexibility and control - it reflects Zip’s ambition to empower more Australians to manage purchases and cash flow with confidence, make informed choices and create room for the things that matter to them.

The brand platform comes to life through ’needwant’, a new campaign that playfully explores the familiar choices Australians face when needs and wants arrive at the same time.

From a vet bill competing with a swing set to repairing a broken wall socket while dreaming of a new beer fridge, the campaign turns an everyday financial balancing act into something distinctly Australian and captures the financial balancing acts people navigate every day.

The campaign shows how Zip can give customers greater flexibility and control to make choices that work for their lives and budgets - helping them breathe a little easier today while building confidently towards tomorrow.

Becky Cook, Chief Customer and Revenue Officer ANZ at Zip said, “This is an exciting milestone for Zip because it speaks to why we exist and the role we want to play in Australians’ lives. We were founded with a belief that financial products could be fairer, more flexible and designed around the realities of people’s lives, and that belief remains at the heart of who we are.

“Money is never just about money. It’s about managing everyday needs, looking after the people and pets we love, handling the unexpected and making space for the things that bring us joy. Australians are balancing those big things and little things every day.

“Everyday Australians are constantly balancing what they need with what they want. ‘It Pays to Zip’ recognises that reality and reflects our ambition to help customers navigate those choices with greater confidence, flexibility and control. needwant’ brings that promise to life in a way that feels warm, relatable and unmistakably Australian.

Created by Droga5, part of Accenture Song, the campaign was directed by Torstein Bjørklund of Good Oil. Campaign stills were directed and photographed by Sarah Adamson of Photoplay.

The campaign will run nationally across broadcast video on demand, online video, radio, search, display, social and Zip-owned channels.

Media Contact

For media enquiries, please contact: Anjani Shyam | Communications Manager ANZ | anjani.shyam@zip.co

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in two core markets, Australia and New Zealand (ANZ) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

*T&Cs, fees and credit approval apply. Other charges may be payable. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. Visit zip.co to find out more.