Website: http://www.happyemi.com/ HappyEMI is a next-generation consumer finance company providing shoppers with instant financing at the point of-sale in-stores and online platforms making it Peopleless, Paperless financing platform. HappyEMI’s has an edge over others through its data-driven approach that underwrites risk beyond credit score to reach broader consumer base by using alternative data points and has signed up major retail brands in categories such as Mobile, Consumer Durables, Home Improvement, & Car Accessories. HappyEMI monetizes through subvention from Manufactures and Retailers and financing charges from Consumers. HappyEMI helps its Retail Partners improve sales conversions, boost basket sizes, and increase customer happiness. HappyEMI, a flagship product of HyperKonnect Technologies Private Limited is a start-up based at the World Trade Centre, Bangalore.