To understand how UPI and Buy Now Pay Later (BNPL) models are expanding credit access in India.
To analyze the strategic approaches of BharatPe and ZestMoney in providing short-term credit to underserved customers.
To evaluate the integration of UPI and BNPL technologies in making credit accessible, fast, and paperless.
To assess the impact of these models on customer acquisition, credit usage patterns, and financial inclusion.
To identify the challenges and regulatory risks associated with digital credit models in India.
Conduct a literature review on UPI, BNPL, and digital credit evolution in the Indian FinTech sector.
Study the business models of BharatPe and ZestMoney, focusing on their credit products and target audiences.
Analyze the UPI-based credit issuance strategy of BharatPe and the BNPL model of ZestMoney, including customer journey and repayment mechanisms.
Compare product features, credit limits, interest structures, and user acquisition tactics of both platforms.
Examine the impact of digital credit on small business owners, gig workers, and first-time borrowers.
Review RBI’s regulatory guidelines and analyze how these companies ensure compliance and responsible lending.
Prepare a detailed report with strategic insights, challenges, and policy recommendations to scale credit access responsibly through digital platforms in India.
