BNPLmi

A new user (customer or business) can be on-boarded only if they have a valid referral from any authorized agent of the company. New users can only access postal pin areas in India where access is permitted. The customer can use this "BNPLmi" e-diary to record daily purchases of goods or services on credit, record payments made on the due date of a credit invoice, send requests for payment on the due date of a credit invoice, etc. This "BNPLmi" e-diary provides the facility to the business to make and record their daily sales on credit, send credit invoices to the financial institution, arrange for recovery of credit invoices on the due date of a credit invoice. The customer can use the in-app "BNPLmi" menu to record credit based (without payment) purchase transactions from any seller registered on the platform. The seller can use the in-app "PAYmi" menu to request payment from the buyer and record the same. If the customer is returning any goods in whole or in part, he can use the "Cancel-Return" menu in the app to record it. Using the "Bank" menu in the app, the customer or seller can verify his/her bank account and link it to the platform to receive funds in his/her bank account. Using the "Loan Inquiry" menu in the app, the customer or seller can send any loan inquiry to the financial institution linked to the platform, so that the financial institution will contact them directly.