BNPL is the buzzword again after Apple's announcement. The social media sentiment is positive. While traditional e-commerce players still dominate the space, we see new entrants (startups & apps). Consumers are looking for use cases spanning healthcare, to airlines, to using it to support small businesses. However, questions about the impact on credit scores remain.

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 quickly understand 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