Divido has been crowned the winner of Retail Week Live’s Launch Pad Pitch Perfect competition following an audience vote.

The audience at Retail Week Live unanimously voted the financial services firm the winner with 43% of the vote.

Divido fought off stiff competition from global payments marketplace Currency Transfer, scooping 34% of the vote, and gifting experience provider Jifiti, with 23% of the vote.

Divido, which describes itself as a credit on demand firm, lets customers pay over time through instalment loans with 0% interest, while the merchant gets paid in full straight away.

During Retail Week Live 45 start-ups have been pitching their game-changing solutions on the Launch Pad stage across three heats.