What's trending in BNPL?

1. Instant Insights @ (1) Click Buy Now Pay Later Analysis for geography: IN Analysis as of 2022-06-08 Machine Generated Insights The insights were generated in an incredible 158 seconds. (c) All Rights Reserved Machine Generated Insights

2. Introduction • Guideline – These reports are meant to give you a quick overview of the trends & landscape around the keyword. Use it as a way to quicklyunderstand an area or as a way to check your hunch. Run queries for related keywords to get a more holistic picture of the area. Where is it most useful? – Understand consumer interest trends: See pages with title "Consumer interest changes","Related Queries" – Find usage patterns/ use cases: See pages with title "Use Cases: What are they looking at it FOR" – Discover features: See pages with title "Features: What are they looking at it WITH" – Understand what is on consumer's mind: See pages with title 'Consumer mind' & 'Consumer thinking' – Map out company landscape: See pages with title "Who shows up", "Startups", "Apps" •

3. Consumer View • We first analyze the consumer view to determine the momentum and awareness amongst people in social media. These days consumers look for everything on the internet and this data trail is a great source of insights. We analyze the chatter on social media, analyze search trends of the consumers & find specific pattern of internet lookups. This analysis serves as a lead indicator for the topic to understand the conversations and feedback better. Two categories you will see – Trends – Specific use case lookups •

4. How has consumer interest changed? • We analyze 5 years of search data from 2017-06-11 to 2022-06-05. The analysis was done for IN region. The chart shows how consumer interest in the keyword has changed over time. It has trended with a Positive cagr of 22.81% Karnataka, Telangana, Andhra Pradesh, Tamil Nadu, Maharashtra are the main regions that have shown interest • • •

5. What does the interest deep dive show? • The chart depicts decomposition of the search interest signal into 3 components...1. Underlying trend 2. seasonality if any 3. any residual signal When we analyze the trend curve what we see is a neutral trend with no strong direction Note: X axis is in timescale shown as an index from start of period under consideration • •

6. What are the related queries? • People look for multiple related queries and not just buy now pay later. The chart shows the top ones. Queries like buy now pay later india, amazon buy now pay later, amazon pay later, buy now pay later apps, flipkart buy now pay later are top related searches in last 12 months •

7. How has interest spread across regions (Yearly)? • Spread across regions

8. Currently what are top things on consumer's mind? • We saw queries over the years. What are Top of the mind queries now can be seen. Some of these maybe just rising interests. buy now pay later apps, buy now pay later india are the top 2 items consumers look for •

9. What questions are consumers asking? • Consumers have questions around buy now pay later that they search on the internet. A mind map of these questions can be seen does buy now pay later affect credit score, is buy now pay later credit, how buy now pay later works are the top 3 questions •

10. Use Cases: What are they looking at it FOR? • Consumers look for buy now pay later usage in multiple areas which can be seen below The image shows a word tree that visualizes the lookups as performed by consumers Note: Consumers may not type entire keywords and hence you would see some repetitions • •

11. Features: What are they looking at it WITH? • Consumers look for buy now pay later usage in multiple areas along with certain aspects which can be seen below The image shows a word tree that visualizes the lookups as performed by consumers. n & n year old suggest queries like product for 5 year old and so on Note: Consumers may not type entire keywords and hence you would see some repetitions • •

12. What other aspects are consumers thinking about? • Consumers look for aspects around buy now pay later that they search on the internet. A mind map of these other aspects can be seen buy now pay later afterpay are the top 1 aspects •

13. Who do consumers speak most about on social media? • • 389 latest tweets were analyzed The top entities (names, place, organizations etc) that consumers mention are shown in the chart

14. Who is being spoken most & liked? • The top entities (names, place, organizations etc) that consumers mention and liked are prioritized, filtered and shown Entities that are high on count & likes have most momentum •

15. Who is being engaged with on social media? • The top entities (names, place, organizations etc) that consumers retweet and liked are prioritized, filtered and shown Entities that are high on retweets & likes have most engagement from consumers •

16. What is the sentiment around these entities? • The top entities (names, place, organizations etc) that consumers retweet and liked are prioritized, filtered and their sentiment shown The chart is a density curve that moves from negative (-1) to positive (+1) with neutral (0) in the middle. Height of the curve represents the number of tweets with sentiment score at that point •

17. Market View • Having a sense of what consumers are looking for next we shift to the players and consumer engagement with them. 3 aspects matter. SEO for websites & Apps. In addition startups bringing in new innovations. – SEO plays a signficant role in the internet world today. Bulk of traffic is received by the top few links on google search. There is a competition to be in the top few links for a keyword. We try to answer who is winning here? – Apps have become integral to customer experience and most companies interact with their customers through apps to enhance customer experience. So, when understanding consumer engagement with a product, analysing the app landscape is an important aspect to gauge the communication effectiveness between a brand and its customers. It also gives indications of features required and issues to be fixed. – Startups are known globally to drive new innovations in a space

18. What do consumers look for & who shows up? • buy now pay later, buy now pay later india, amazon buy now pay later, amazon pay later are the main related queries over the last 12 months A programmatic search for results in first 3 pages shows top companies positioning in the market from various aspects like media, tech, products, funding etc 172 results are analyzed • •

19. Which companies show up prominently? • pricebaba.com, flipkart.com, amazon.in are top 3 SEO ranked companies SEO plays a signficant role in the internet world today. Bulk of traffic is received by the top few links on google search. There is a competition to be in the top few links for a keyword. Who is winning here? •

20. What are some relevant startups? company description date buynowpaylaterhq.com Buynowpaylaterhq provides catalogs of electronics, furniture, tablets, and jewelries that its users can buy in real time and pay later. 2013-04-15T00:41:41Z Quadpay Buy Now. Pay Later. Anywhere. 2018-08-03T11:15:58Z Split Buy now pay later designed for Malaysia 2018-12-26T12:33:57Z Postpay Buy Now. Pay Later. Zero Interest. Zero Fees. 2021-04-28T10:52:29Z Nelo Buy Now Pay Later for Latam, starting in Mexico. Backed by Two Sigma Ventures, Homebrew, Susa Ventures, and more. 2019-04-14T02:23:11Z Slope Buy Now, Pay Later for B2B 2021-09-27T19:03:29Z PAYMONTHS Buy Now Pay Later (BNPL) 2021-06-21T13:51:59Z Tasana Buy now Pay later platform that allows to shop everywhere. Without interest or hidden fees. 2021-12-18T10:29:49Z Hero Plus Buy now pay later, shopping at the dawn of a new era. 2021-05-11T10:36:10Z Cyan Buy now, Pay later for the Metaverse. 2022-03-24T12:03:00Z Zigopay Buy now pay later for gig workers in Africa 2021-12-29T21:04:29Z Biller A buy now, pay later platform 2021-09-03T11:22:51Z VMPay Asia SME Buy Now Pay Later Platform 2021-07-13T02:12:03Z PausePay B2B – Buy Now Pay Later 2022-05-13T13:05:06Z Tamara The leading Buy Now Pay Later provider in the MENA region 2020-10-14T15:57:20Z Neon Financial Inc. Neon offers Buy Now Pay Later for essential bills 2020-04-15T19:56:43Z valU The leading buy now pay later solution 2022-04-06T16:04:13Z NoPay NoPay provides buy now pay later service in emerging markets 2021-12-12T16:15:38Z @Pay @Pay: first Buy Now, Pay Later DEFI platform incorporating blockchain technology & cryptocurrency on Solana & Algorand 2022-04-25T16:05:15Z Sezzle Sezzle provides a buy now, pay later solution platform. 2016-01-25T01:40:42Z bnpl40 Bnpl40 is a Buy Now Pay Later agency that advises brands and builders on their alternative payments arrangements. 2021-04-28T11:24:28Z Zilch Zilch is a buy now, pay later app that allows its customers to shop wherever Mastercard is accepted. 2018-11-13T21:36:12Z Sunbit Sunbit is a buy now, pay later technology of local service providers and retailers. 2016-06-29T10:18:07Z tabby Tabby is a Buy Now, Pay Later payments company allowing consumers to shop and pay in 4 installments at no cost. 2019-11-11T07:06:03Z Graviti Graviti is a buy now, pay later platform for home appliances, focused on the unbanked population in LATAM. 2020-07-09T12:40:19Z

21. What are they focused on? • The top keywords in startup descriptions can be seen to the right

22. Overall App Landscape • Apps that show up for the query buy now pay later are analyzed. They cut across various categories with varied ratings, installs and engagement 30 apps are analyzed across 3 categories. 3.7 is the average rating. 3810240 is the average number of installs. • • •

23. What is the app landscape? • MobiKwik- UPI, Bills, PayLater | slice | Walnut | Freecharge have higher than average # Of Installs performance • ZestMoney | LazyPay | Snapmint | Uni Cards | Simpl Pay Later | Tabby have higher than average Avg Rating performance • Top right quadrant categories are best positioned currently in terms of # Of Installs & Avg Rating while bottom right quadrant indicates high performance in # Of Installs but with not the best Avg Rating

24. How is the app engagement? • MobiKwik- UPI, Bills, PayLater | Freecharge | slice | Walnut have higher than average # Of Installs performance • MobiKwik- UPI, Bills, PayLater | Freecharge have higher than average # of comments (Normalized) performance • Top right quadrant categories are best positioned currently in terms of # Of Installs & # of comments (Normalized) while bottom right quadrant indicates high performance in # Of Installs but with not the best # of comments (Normalized)

25. Which apps are growing fast? • ZestMoney | Snapmint | Uni Cards | Freo Pay | postpe have faster than average Days since release performance • MobiKwik- UPI, Bills, PayLater | ZestMoney have higher than average # of installs per day since release performance • Top left quadrant categories are best positioned currently in terms of Days since release & # of installs per day since release while bottom right quadrant indicates slow performance in Days since release but with not the best # of installs per day since release

26. This report was auto generated by Code+AI algorithms driven machine on 2022-06-08 We thank you for considering us for your business insight needs. Need more in depth analysis or have suggestions do write to us at info@decodem.ai Disclaimer The situation surrounding technologies & trends is dynamic and rapidly evolving, on a daily basis. Although we have taken great care prior to producing this presentation, it represents Decodem Technologies Pvt Ltd’s view at a particular point in time Decodem Technologies Pvt Ltd does not provide investment, legal, medical or other regulated advice or guarantee results. These materials reflect general insight based on information currently available and do not contain all of the information needed to determine a future course of action. Such information has not been generated or independently verified by Decodem Technologies Pvt Ltd and is inherently uncertain and subject to change. Decodem Technologies Pvt Ltd has no obligation to update these materials and makes no representation or warranty and expressly disclaims any liability with respect thereto Conclusions contained in these materials are based upon Machine Learning methodologies, are not definitive forecasts, and are not guaranteed by Decodem Technologies Pvt Ltd (c) All Rights Reserved Machine Generated Insights