The problem BharatX - Buy Now, Pay Later solves

Most online EMI and Buy Now Pay Later services like LazyPay, ZestMoney, Simpl, etc currently in the market either provide low amount or require documentation (which many customers don't have) to enable credit-based purchases on E-Commerce/Delivery/Ride-Hailing apps.

With AA Framework, one can replace the requirement of documentation with data given by FIPs to efficiently underwrite risk and enable a much more seamless process which does not require any documentation, any physical check and yet gives the whole credit limit a person deserves.

BharatX has built an SDK platform that any app developer can integrate within 30 minutes, and enable access to Credit for purchases on their apps. The user would not need to download a separate app and the onboarding process will be done completely within the Merchant Apps like Zomato etc. Moreover, the Credit limit is universally accessible overall apps on the SDK platform without having to register on them individually.

Challenges we ran into

To enable one-time registration within merchant apps we needed to find a way to identify the user using a device identifier, but we could not find any reliable identifier, but we were later able to solve it using a feature of Google Services which is present on every android device.