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Digital Panel: BNPL – More Than Retail Therapy, Supporting Easy and Sustainable Access to Credit


August 30, 2021 | Liz Upson

Join our live panel as industry experts from leading BNPL providers come together to discuss the future of BNPL and its role in providing affordable and accessible credit to consumers!

From evolving markets to industry regulation, in this knowledge sharing online event panelists from Morning Consult, Zilch, and more will discuss the rapidly increasing adoption of BNPL and share their insights on how FinTech’s can adapt to meet evolving industry and regulatory demands while ensuring both businesses and consumers have rapid and easy access to credit. 

The panel will cover:

  • BNPL and its role in powering financial inclusion and easy access to credit
  • Product vs. feature, BNPL and differentiating yourself in the evolving competitive landscape
  • Technology and its role in managing risk, preparing for legislation, and ensuring sustainable lending


Hugh Courtney, CFO and Head of Risk, Zilch

Hugh is a Chartered Accountant and a member of both ICAEW (UK) and SAICA (South Africa). In addition, he holds an Executive MBA (awarded with distinction) and PGDip in Financial Strategy from the SaÏd Business School, University of Oxford.

Hugh started his career at the Standard Bank of South Africa, working in Group Financial Reporting, Investor Relations, Capital Management, Risk, Acquisition (leveraged) Finance and ultimately Debt Capital Markets. Subsequently as an entrepreneur, Hugh founded Southern Resources, a consultancy providing support to mid cap listed companies looking to access both the public equity and credit markets. Hugh went on to co-found Nesa Captital, a specialist impact lending business providing capital to SMMEs in South Africa and funding the rollout of PV solar to promote access to electricity for SMMEs in South Africa.

Subsequent to emigrating to the UK, Hugh joined Zilch as CFO and Head of Risk, taking responsibility for putting in place Zilch’s Consumer Credit authorization with the FCA, building out the underwriting and customer assessment elements of the business, and supporting the business’ equity and debt funding requirements.  

Charlotte Principato, Financial Services Analyst, Morning Consult

Charlotte Principato is a Financial Services Analyst for Morning Consult, leading the intelligence company’s insights on banking, fintech, and other financial services sectors. 

Prior to joining Morning Consult, Charlotte spent over five years at Gartner delivering research insights on global financial services. Most recently, she served as Senior Principal Advisor in Gartner’s Global Financial Services Industry Research and Advisory group, where she advised line of business, strategy, and talent executives at financial institutions on go to market strategy, customer experience, and digital transformation. In that role, Charlotte partnered directly with consumer, small business, and commercial banking leaders across the globe to develop research-based strategies for growth.

About Morning Consult Morning Consult is a billion-dollar, global enterprise technology company specializing in intelligent data to power leaders’ intelligent decisions. The company’s proprietary technology, including both AI and machine-learning solutions, pairs with leading, high-frequency datasets and access to more than 100 million people globally, to optimize decision making. Morning Consult’s proven advantage drives more accurate decisions at unparalleled speed and scale.

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