Business Idea - Evaluation

What are the shortcomings of BNPL or bill credits as a business model in your experience? Which companies have overcome these shortcomings and are making BNPL or bill credit work as a business? I request you to please share rational points and don't just rant about BNPL in India.

What problems would Indian and Global startups be solving in the next decade, or they would be just throwing random yearly new buzz words and as usual VCs would be having orgasms on these buzz words. I mean real problems.

Founders, freelancers etc who use a card issued in India, how are you even paying for recurring SaaS subscriptions after the RBI e-mandate rules? So many companies haven't enabled e-mandate thing in their Stripe/other processors... Many do not even accept Paypal as a payment option what to do?

What are the best ways to underwrite and acquire micro and small businesses today on digital platform? Seeing and hearing a lot of: "oh MSMEs are not digital in India", "Need a big field sales team", and "Have to go and physically collect documents to make it work" ideas Any best practices that you have seen work apart from the orthodox?

I'm launching a new SAAS business and I'm stuck on choosing the right online payment gateway. I've been looking at PayU and Razorpay, but I'm open to exploring other options too!

I work at this company since 2+ years, day before yesterday company received an email from one of the two payment gateways that they use for catering Indian and International users for both payments as well as payouts. Now since the gateway that was catering the international users banned the company's account, all of the international transactions went to 0 quickly which was more than 90% of the total revenue, additionally they fined the company for $425,000 Now the problem for the company is: 1. The transactions completely stopped 2. A large sum of money in the account as balance is on hold by the payment gateway accounting to approximately, 1/5th of fine. 3. The fine which the payment gateway is charging, doesn't have any underlying reason as why the fine amount is so big. 4 There's absolutely no reply from the payment gateway on the email hence no way to contact directly. Now, the thing is company knew this day was possible but they had took preventive measures as well and weren't expecting this to happen anytime soon and atleast with a prior notice unlike which landed like a bomb with a brief (text only) email. So there are features called radar and chargeback protection in the payment gateway which take some percentage of your transaction to ensure if there are some fraudulent/illegal transactions they will flag those transactions and prevent the customers (our company in this case) from getting disputes from the card owner/payee, having which of no use to the company. As per the terms, a threshold percentage of your transactions need to be disputed in order to be flagged as suspicious for the payment gateway which was way less in the company's case. Although company too could have prevented this from just banning users whose payments were getting disputed by the card holders claiming they didn't authorise the purchase or either the user didn't deliver for what the payment was done by the payee. In either of the case banning that user was the ideal action.

We run a platform that works with SME'S , MSME's (can't disclose more on what kind, but like any transaction have buyers and sellers), have active 3 lakh users. The amount transacted is above 150+ crore every month. We realised that these SME'S and the sellers have a lending cycle with the seller every 7-14 days. Got some queries for lending (Because these businesses run of cash flow), after in-depth research, we just realised the immense potential we have if we start lending to them (both the buyers & sellers - by lending + invoice discounting). We already have all the data points since these users have been with us for a very long time. What does the fintech community think, should we add the fintech-lending to our business? (P.s.: Initial Projections show we start making 12-15 Crore net profit, after launch at 50% utilisation)

I'm launching a new SAAS business and I'm stuck on choosing the right online payment gateway. I've been looking at PayU and Razorpay, but I'm open to exploring other options too!

Context: We tenants(22-25yo) move to a new city for work, pay high taxes, gets screwed by the landlords, have to pay upfront costs without the 1st salary and have to often resort to personal loans at high interest rates/ask your parents etc. We have also go through interviews multiple times and sadly there's no digital trail of if you were a on-time rent paying good tenant. Its always start from scratch wrt convincing landlords whenever you move to a new place in high demand areas. To summarise: I am building a financial platform to solve the following problems: 1. Pay your high upfront cost and divide by 3/6 with flexible repayment schedules. 2. For every rent payment done through the platform, you'll get very focused rewards/discounts which is very important during the lifecycle of a tenant. Think of it as discounted locked flight ticket during peak season like diwali when you want to go home. 3. One click loans especially home loans at the best rates powered by tenant alternative data when eventually you want to buy your own home. Thoughts? Ik it may look like "another" loan app but we want to help tenants throughout their lifecycle. There's no demarcation of tenants vs other tax paying middle class segment who stay and work from their own homes.