HAPPY is a fast-growing fully Digital Lending Fintech targeting a multi-billion-dollar credit gap in India’s micro-businesses, delivering flexible & easy short-term access to credit for small business owners & proprietors in urban & city settings. HAPPY has been recognized as one of the 2019 Inclusive Fintech 50 in the world by Visa and IFC and has won two national awards by Times Now & ET Now - Best AI Startup of the year & the most innovative startup of the year respectively. HAPPY was founded by successful serial entrepreneur Mr. Manish Khera and has Ms. Shweta Aprameya as the co-founder.