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ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Payflex is an online payment product that enables shoppers to shop now and pay in 4 equal installments.

Twisto is a mobile payment application that offers a streamlined solution for online transactions. It allows users to make purchases with a single click through a connected Mastercard and supports Apple Pay. The app enables customers to manage their bills and invoices by taking photos of them, facilitating deferred payments and instant checkouts. Users can also utilize a virtual card or a payment bracelet for transactions, providing flexibility for payments at various locations. Additionally, Twisto ensures competitive exchange rates for international payments. The platform aggregates all transactions in an organized mobile interface, allowing users to settle their payments collectively at the end of each month.

Spotii is a digital payments platform established in 2020 by Anuscha Iqbal and Ziyaad Ahmed, designed to enhance the shopping experience for consumers in the Fashion, Beauty, and Lifestyle sectors. The platform enables customers to shop now and pay later by allowing them to make interest-free payments in four equal installments. This approach not only simplifies the payment process but also fosters customer loyalty by providing an accessible way to acquire goods from participating vendors' websites. Spotii aims to empower communities by offering a straightforward and cost-free payment solution, making it easier for consumers to manage their purchases.

Payflex is an online payment product that enables shoppers to shop now and pay in 4 equal installments.

Twisto is a mobile payment application that offers a streamlined solution for online transactions. It allows users to make purchases with a single click through a connected Mastercard and supports Apple Pay. The app enables customers to manage their bills and invoices by taking photos of them, facilitating deferred payments and instant checkouts. Users can also utilize a virtual card or a payment bracelet for transactions, providing flexibility for payments at various locations. Additionally, Twisto ensures competitive exchange rates for international payments. The platform aggregates all transactions in an organized mobile interface, allowing users to settle their payments collectively at the end of each month.

Spotii is a digital payments platform established in 2020 by Anuscha Iqbal and Ziyaad Ahmed, designed to enhance the shopping experience for consumers in the Fashion, Beauty, and Lifestyle sectors. The platform enables customers to shop now and pay later by allowing them to make interest-free payments in four equal installments. This approach not only simplifies the payment process but also fosters customer loyalty by providing an accessible way to acquire goods from participating vendors' websites. Spotii aims to empower communities by offering a straightforward and cost-free payment solution, making it easier for consumers to manage their purchases.

Quadpay is a prominent US-based installment payment platform that offers consumers an alternative to traditional credit through a straightforward and transparent payment method. The platform allows customers to divide their purchases into four interest-free installments, payable over six weeks, making it easier to manage expenses. By focusing on innovation and customer experience, Quadpay has attracted millions of users and integrates seamlessly with a wide range of merchants. This capability allows customers to shop both online and in-store with leading global retailers, enhancing the shopping experience while providing retailers with an opportunity to expand their business.

PartPay Limited, established in 2016 and based in Auckland, New Zealand, specializes in online payment processing solutions for merchants. The company offers a payment application that facilitates installment payments, allowing users to purchase goods online or in retail stores by paying in four installments without incurring additional interest charges. PartPay serves over 110,000 customers and has integrated its services into more than 1,000 retailers, managing over 250,000 installment plans. In November 2019, PartPay was acquired by Zip Co Limited, further enhancing its capabilities in the payment processing sector.

Pocketbook is an online platform that provides personal finance software aimed at simplifying money management for individuals and households. The tool automatically categorizes users' spending into various segments, such as clothing, groceries, and fuel, allowing users to gain insights into their financial habits. Upon signup, users receive immediate access to detailed information about their past and future spending, streamlining the budgeting process. By offering a clear overview of expenses, Pocketbook empowers users to track their finances effectively and make informed decisions about their money management.