Half Year 2019 Zip Co Ltd Earnings Call Transcript
Ladies and gentlemen, thank you for standing by, and welcome to the half year results presentation.
(Operator Instructions) I must advise you that this conference is being recorded today, Thursday, the 21st of February 2019.
And now I hand the conference over to your first speaker today, Mr. Larry Diamond.
Thank you. Please go ahead.
Thank you. And welcome to Zip Co Limited's results call for the first half 2019.
With me today is Peter Gray, Chief Operating Officer and Cofounder of Zip; and Martin Brooke, our Chief Financial Officer.
So let's get straight into it.
Just a quick refresh on Zip. So Zip was founded 5 years ago to disrupt the unfriendly credit card model. And at the time, we really saw a world where customers were being trapped in cycles of high revolving debt with high back-end interest rates and low repayments, so we saw a great opportunity to disrupt the credit card model by providing a better, fairer and digital alternative
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