Zip Co is a digital financial services company that is redefining the payment industry by offering transparent and flexible payment options to millions of customers globally, thereby disrupting traditional credit models. The company's culture is centered around people-focused product innovation and financial well-being of its customers and merchants, which sets it apart from its competitors. With a strong presence in Australia, New Zealand, and the US, Zip Co is a leader in its industry, demonstrating its competitive advantage through its commitment to customer-centric services and merchant growth.