Merchant Network MobiKwik operates a large merchant network across Bharat with nearly 4.8 million merchants, creating opportunities to upsell merchant services such as POS integrations, working capital loans, and loyalty programs while enabling rapid onboarding of SMBs.

User Base With 18 crore plus users and payment usage across utilities, e-commerce, food delivery, and retail, there is strong potential to cross-sell digital credit, investments, and value-added payment features using data-driven targeting.

Digital Credit Growth A diversified digital credit portfolio complements payments, enabling partnerships for merchant cash advances, SME lending, and BNPL like financing for consumers and merchants, especially in Bharat.

AI Data Insights A technology-first approach with ML and data science can be leveraged to offer data-driven marketing solutions, predictive risk scoring, and merchant analytics or white labeled engagement tools for partners.

Strategic Partnerships Core focus on payments, digital credit, and investments positions MobiKwik to pursue co-branded offerings, integrations with e-commerce platforms, utilities, and SMB software, and partnerships with regional banks or fintechs to expand reach.