Aymeric Monod-Gayraud is the co-founder of ZIPZERO, which offers a mass-market consumer solution to the cost-of-living crisis. Shopping via the ZIPZERO app earns users cash to pay bills – the cash rewards are funded by retailers and brands, which gain access to a formidable direct-to-consumer marketing platform. Through its compelling consumer proposition, ZIPZERO has become a prolific source of first-party, product-level consumer data, which it encourages businesses to employ as an essential tool to understand consumer needs at a time of great financial uncertainty. Aymeric has vast experience in data-driven technology companies. In addition to previous work across at the Bank of America Merrill Lynch, Aymeric founded Freebee, a pioneering digital loyalty platform which was later to sold to Vodafone Poland.