Zilch: Spend with benefits

User Experience Report

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This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.

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Zilch: Spend with benefits

Top Insights This Week

This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.
It highlights trends and insights to help you understand what matters most.
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All Insights

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TOP INSIGHTS

A weekly roundup of Zilch: Spend with benefits's key feedback

1

Credit Limit Stagnation

Some users feel frustrated as their credit limit does not increase despite timely payments and improved financial status. Approximately 5% of users express this concern.

Despite never missing a payment and improving my finances, my credit limit remains unchanged.

2

Inconsistent Fees

Users are unhappy with inconsistent fees for similar transactions, such as different charges for online versus in-store purchases. This issue affects about 3% of users.

I was charged a fee for in-store purchases that wasn't applied to online transactions, which seems unfair.

3

Sign-Up Difficulties

Some users experience issues during the sign-up process, such as invalid phone number errors or conflicting instructions, affecting around 2% of users.

I couldn't sign up because the app said my phone number was invalid, despite trying multiple formats.

4

Payment System Issues

Users report problems with the payment system, including delays and errors, which can lead to frustration and missed payments. This affects approximately 4% of users.

The new payment system is slow and laggy, causing delays in processing my payments.

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COMPETITORS ANALYSIS

Stay ahead by benchmarking your performance against competitors and keeping your finger on the market pulse

#1 USERS CHOICE

Klarna
Klarna receives high praise for its convenience and flexibility in payment options, with many users appreciating the ability to manage finances without high interest rates. However, some users report issues with customer service and refund processes, leading to frustration.

#2 RUNNER UP

Zilch: Spend with benefits
Zilch is generally well-received for its ease of use and helpfulness in managing finances, with many users appreciating the ability to spread payments and the rewards system. However, some users experience technical issues and customer service challenges, which can lead to dissatisfaction.

#3 Straggler

Zilch: Spend with benefits
Tabby is appreciated for its ease of use and the ability to manage expenses effectively, with many users finding it a helpful financial tool. However, some users report issues with customer service and technical problems, which can detract from the overall experience.
Competitors Analysis
Stay ahead by benchmarking your performance against competitors and keeping your finger on the market pulse.
Klarna
#1 Users Choice
Klarna receives high praise for its convenience and flexibility in payment options, with many users appreciating the ability to manage finances without high interest rates. However, some users report issues with customer service and refund processes, leading to frustration.
Zilch: Spend with benefits
#2 Runner-up
Zilch is generally well-received for its ease of use and helpfulness in managing finances, with many users appreciating the ability to spread payments and the rewards system. However, some users experience technical issues and customer service challenges, which can lead to dissatisfaction.
Zilch: Spend with benefits
#3 Straggler
Tabby is appreciated for its ease of use and the ability to manage expenses effectively, with many users finding it a helpful financial tool. However, some users report issues with customer service and technical problems, which can detract from the overall experience.

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Nuggets

Major Highlights of the Week

Credit Limit Stagnation
Despite consistent early payments and improved finances, some users experience stagnation in their credit limit, which does not reflect their financial growth. This issue may discourage long-term engagement and loyalty.
I've been with Zilch for a while, never missed a payment, yet my credit limit hasn't increased despite my improved finances.
Inconsistent Fees
Users face inconsistent fees when splitting payments between online and in-store purchases, leading to confusion and dissatisfaction. This inconsistency undermines the perceived fairness of the service.
I was charged a fee for splitting payments in-store, but not online, which seems unfair.
Sign-Up Barriers
Potential users encounter significant barriers during the sign-up process, such as invalid phone number errors and credit alignment issues, preventing them from accessing the app's benefits. These barriers could deter new customer acquisition.
I couldn't sign up because my NZ phone number was deemed invalid, despite trying multiple formats.
Payment System Lag
Recent changes to the payment system have introduced delays and lag, frustrating users who experience slow transaction processing. This technical issue could impact user satisfaction and retention.
The new payment system is slow and laggy, causing delays in processing my transactions.
Customer Support Gaps
Users report inadequate responses from customer support, particularly when addressing technical issues or refund requests. This lack of effective support could damage the brand's reputation for reliability.
Customer support ignored my refund request after a technical error charged me a fee.
Card Addition Issues
Users face difficulties adding or re-adding bank cards, with prolonged waiting periods and unresolved errors, leading to missed payments and frustration. This issue could hinder user experience and financial management.
I struggled for weeks to add my bank card, resulting in overdue payments and frustration.
Nuggets

Major Highlights of the Week

Everything you need to know about user experience
Credit Limit Stagnation
Despite consistent early payments and improved finances, some users experience stagnation in their credit limit, which does not reflect their financial growth. This issue may discourage long-term engagement and loyalty.
Inconsistent Fees
Users face inconsistent fees when splitting payments between online and in-store purchases, leading to confusion and dissatisfaction. This inconsistency undermines the perceived fairness of the service.
Sign-Up Barriers
Potential users encounter significant barriers during the sign-up process, such as invalid phone number errors and credit alignment issues, preventing them from accessing the app's benefits. These barriers could deter new customer acquisition.
Payment System Lag
Recent changes to the payment system have introduced delays and lag, frustrating users who experience slow transaction processing. This technical issue could impact user satisfaction and retention.
Customer Support Gaps
Users report inadequate responses from customer support, particularly when addressing technical issues or refund requests. This lack of effective support could damage the brand's reputation for reliability.
Card Addition Issues
Users face difficulties adding or re-adding bank cards, with prolonged waiting periods and unresolved errors, leading to missed payments and frustration. This issue could hinder user experience and financial management.

Quotes of the week

Hear from some of the most impactful users to drive changes

Zilch is a great way to manage finances, but despite never missing a payment and improving my finances, my credit limit hasn't increased. It would be great if the app recognized financial improvements and adjusted credit limits accordingly.
mcmonigle78
While Zilch is useful for splitting purchases, the inconsistency in fees between online and in-store payments is frustrating. Retailers with B2B partnerships should have consistent payment options regardless of the method used.
DeepSpace1999
The app's new payment system is slower and more laggy, causing delays in processing payments. This change has made the service less reliable, and customer support hasn't been helpful in resolving these issues.
Idontlikeyourserviceanymore

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The quotes of the week

Hear from some of the most impactful users to drive changes
Zilch is a great way to manage finances, but despite never missing a payment and improving my finances, my credit limit hasn't increased. It would be great if the app recognized financial improvements and adjusted credit limits accordingly.
Candice Wu
App Store
While Zilch is useful for splitting purchases, the inconsistency in fees between online and in-store payments is frustrating. Retailers with B2B partnerships should have consistent payment options regardless of the method used.
Kelly Williams
Google Play
The app's new payment system is slower and more laggy, causing delays in processing payments. This change has made the service less reliable, and customer support hasn't been helpful in resolving these issues.
Koray Okumus
Google Play

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