As Millennials are clouding out prior generations in the coveted 18-34 consumer space, they are using credit cards less and less. Many of them have no credit, which puts them in the never-ending “you don’t have credit, so we can’t offer you credit” cycle. Or they’ve been told to steer clear of the debt trap, so traditional plastic is a non-option for them. This leaves gaps, for both consumer needs and merchant revenue. And that’s where Sezzle comes in. Sezzle is a payment method that offers 0-interest 0-fee lines of credit to consumers while they are shopping. See a $200 jacket at a participating merchant? Use Sezzle and break that up into 4 easy payments of $50. We brought on their CEO and Founder Charlie Youakim, for our Payments Innovation podcast. He shared how the app works, why it works, and why merchants are partnering with him.