The ZestMoney (www.zestmoney.in) platform enables instant account opening and real time credit approval, combined with seamless digital loan servicing and repayments technology. ZestMoney can help power lending decisions based on alternative data sources, enabling lenders to reach a wider market, as well as make decisions quicker and without manual under-writing. ZestMoney partners with e-commerce companies, to enable financing at the checkout, enabling EMI without credit card. ZestMoney customers are empowered to afford the things they need and spread the cost over up to 12 months. Customers will have to make an upfront payment, consisting of downpayment and processing fees.