Half Year 2022 Zip Co Ltd Earnings Call and Announcement of Acquisition of Sezzle Transcript

The following is excerpted from the question-and-answer section of the transcript.

Question: Elise Kennedy - Jarden Limited, Research Division - Analyst : So I got a couple of questions here. The first one I wanted to ask was on that customer cross-sell that you spoke to earlier, I wanted to check, do you know the duplication, particularly in the U.S.? and just whether or not the actual active customers could come down? Just how confident you are about the customers that you've given there, not having duplication? I wanted to check also on the rebranding as my second question around if the costs you're thinking are similar to QuadPay to rebrand and if those costs are included in the ongoing synergies and then also on the one-off costs? And then my last question is just around the competitive landscape and some of the changes that have come through. So for example, after [pay] being put into those square terminals, do you foresee that becoming more challenging to have conversations with those merchants or from the signs that you've seen on the ground, can you still tap into those because it's a matter of the customers that you bring that that's not really a huge game changer?

Question: Chamithri Ratnapala - RBC Capital Markets, Research Division - Analyst : Just one quick question from me. I mean, you did talk about rightsizing of certain global markets, it's U.K. Could you talk to if there are any changes to the international expansion strategy now with the combined group? Or do things sort of still stand the same way with that strategy?