Help mobile retailers sell higher-priced phones by offering automated EMI at checkout

Help mobile retailers sell higher-priced phones by offering automated EMI at checkout targets a $24.0B = 3,000,000 independent mobile-phone retailers × $8,000 annual financed incremental sales per shop total addressable market with medium saturation and a year-over-year growth rate of 20% YoY — estimated BNPL/merchant-financing growth in emerging markets (source: industry BNPL and digital payments reports, 2022–2024).

Key trends driving demand: Trend — BNPL and merchant financing are shifting from consumer-first to merchant-embedded models, creating opportunities for merchant SaaS that bundles financing with POS.; Trend — Improved digital KYC and identity APIs make instant in-store approvals feasible, reducing friction for merchants and customers.; Trend — Smartphone penetration and upgrade cycles in emerging markets remain strong, increasing demand for higher-ticket device financing at the point-of-sale..