No credit card? No sweat. You can still eat, dress, shop now, and pay later

With smart new apps, you can buy groceries, clothes and movie tickets or dine today, and pay later, even if you do not have a credit track record

It is quite common to see the pay-later or credit option while making big investments, such as buying a house or a car. Today, however, pay-later services are available for practically anything under the sun. And these include small purchases like clothes, gadgets, movie tickets, and even food.

For about 120 million online shoppers across the country (according to a 2018 Assocham estimate), bill payments, food ordering, travel, and movie ticket bookings have never been easier.

Start-ups like LazyPay, ZestMoney, Simpl, and ePaylater, have come up with pay-later apps, targeting the mobile-savvy generation. According to these companies, most of their