The platform enables instant, seamless credit for consumers to make purchases at digital points of sale, and its plug and play gateway APIs can be easily integrated into any merchant checkout page or retail POS for providing access to quick loans. Kissht uses a proprietary self-learning algorithm to assess a customer's credit profile using digital footprints and processes loans instantly, enabling merchants to offer credit card EMI options to all card customers without a card to non-credit card customers. Established in 2015, Kissht is a generation next financial technology company that uses advanced analytics and behavioral data to evaluate an individual’s credit worthiness, calculate credit score and offer pre-approved loans to thin file customers in a matter of minutes. The company has partnered with non-banking financial institutions and created an ecosystem to facilitate easy loans for its customers, and has networked with 3000+ offline merchants and 50+ online stores in about 40 cities PAN India.