Founded in 2017 by Sujay Raj and Anmol Vij, HappyEMI was a Bengaluru-based financial technology startup. The company's mission was to make purchasing more affordable for consumers by offering instant, paperless credit at both online and offline retail checkout points. In 2018, HappyEMI was acquired by the lending platform KrazyBee, which operated ZestMoney. Following the acquisition, HappyEMI's technology and operations were integrated and rebranded to power ZestMoney's "Cardless EMI" product, a pioneer in India's Buy Now, Pay Later (BNPL) market. The parent entity, ZestMoney, officially shut down its operations in December 2023.

Founded in

India