Zip

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 app designed to simplify online transactions for users. It allows customers to make purchases with a single click, manage bills and invoices by photographing them within the app, and access payment options through a connected Mastercard, a special payment bracelet, or Apple Pay. The platform enhances the user experience by offering deferred payments and instant checkouts, enabling seamless transactions across various platforms. Additionally, Twisto provides competitive exchange rates for international payments and aggregates all transactions in a user-friendly mobile interface, allowing customers to settle their payments at the end of each month. This comprehensive approach aims to deliver convenience and efficiency in managing financial activities.

Spotii is a digital payments platform established in 2020 by Anuscha Iqbal and Ziyaad Ahmed, designed to enhance the shopping experience for customers in the Fashion, Beauty, and Lifestyle sectors. The platform allows users to shop now and pay later through an interest-free model, enabling purchases to be paid off in four equal installments. This approach not only simplifies the payment process but also fosters customer loyalty by making it easier for consumers to access goods from various vendors. Spotii aims to empower communities by providing a seamless and cost-effective payment solution.

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

Twisto is a mobile payment app designed to simplify online transactions for users. It allows customers to make purchases with a single click, manage bills and invoices by photographing them within the app, and access payment options through a connected Mastercard, a special payment bracelet, or Apple Pay. The platform enhances the user experience by offering deferred payments and instant checkouts, enabling seamless transactions across various platforms. Additionally, Twisto provides competitive exchange rates for international payments and aggregates all transactions in a user-friendly mobile interface, allowing customers to settle their payments at the end of each month. This comprehensive approach aims to deliver convenience and efficiency in managing financial activities.

Spotii is a digital payments platform established in 2020 by Anuscha Iqbal and Ziyaad Ahmed, designed to enhance the shopping experience for customers in the Fashion, Beauty, and Lifestyle sectors. The platform allows users to shop now and pay later through an interest-free model, enabling purchases to be paid off in four equal installments. This approach not only simplifies the payment process but also fosters customer loyalty by making it easier for consumers to access goods from various vendors. Spotii aims to empower communities by providing a seamless and cost-effective payment solution.

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, provides online payment processing solutions focused on installment payments. Acquired by Zip Co Limited in November 2019, PartPay serves over 110,000 customers through more than 250,000 installment plans, integrating its services with over 1,000 retailers. The company's payment application allows users to make purchases and pay for them in four installments without incurring additional interest charges. It offers a credit and spending limit while seamlessly integrating with users' bank accounts, facilitating a straightforward payment experience for both online and retail purchases.

Pocketbook is an online platform that simplifies personal finance management through its budgeting software. The tool automatically categorizes users' spending into various areas such as clothing, groceries, and transportation, providing immediate insights into past and future expenditures upon signup. By enabling users to track their spending effectively, Pocketbook helps individuals and households manage their finances with ease.