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(Author's Comments :- This blog was written as a model content for SIMPL.)






5 Reasons Why Pay Later Options Are The Future Of Payments Industry
(This is for guest post or for blogging in a third party website)

650 Billion+ is the number of online transactions that occur every year, globally. India alone made 10 Billion+ online payments in the year 2017-2018. That is a staggering number even for a 1.3Billion people country. That is almost 10 transaction for every citizen.

Only around 40% of Indians have access to a debit card or a credit card & less than 28% of the Indians perform one or more online payments in a year. While the statistics can be interpreted in n number of ways, the fact remains that there is simply a mindboggling number of online transactions.

Each online transaction is to be verified by a One Time Password (OTP) that is received to the connected mobile number or to the email account. While this way of 2 way authorisation, increases the security of these online transactions, it is in not completely safe.

Cyber security in India is a growing concern and it is high time that everyone who makes online transactions, make it their priority number one. Phishing, credit card theft, debit card swap are on the rise. Moreover, with the introduction and growth of Near Field Communication (NFC) in the debit cards, there is a growing number of risks associated with it. Although, there is an upper limit on these NFC transactions, there is still an element of risk associated with it.

This is why, pay later options are getting the traction that it should have got in the first place. Following are the top 5 reasons, why you pay later options are going to rule the payment industry in the future.

1.      It is safe & convenient.
Pay Later options are safer as the effective number of online transactions that one makes through their debit or credit card is greatly reduced. This way, the number of times that one is exposed to security threats is minimised. Moreover, it is also convenient as a user can simply buy and pay for stuff without waiting for bank transactions. So, it makes the whole digital experience simple and easy.

2.      It is better than digital wallets

Digital wallets market is being flooded by new players every day. They are popular as they are convenient to use. However, pay later options defeat digital wallets in their own game. Pay later options have the convenience and versatility of the wallets and at the same time, offer much flexibility. The safety concerns of pay later options are very minimal and the risk of being targeted by a hacker is also much lower than other payments.

3.      It provides micro-credit for a very short duration

Although, Pay Later options are not effectively debt instruments, these essentially provide a credit for a very short duration. As a result, a user can enjoy these “soft loans” for almost zero interest. This provides a huge value for the salaried class, as the time of spending and the time of earning is slightly out of sync. This is the most highly perceived value for a huge section of the demography in India.

4.      It reduces the number of transactions & keeps it simple.

An average Sunday for a city dweller can mean ordering food to home from a restaurant, placing order for monthly or weekly provisions, booking a cab trip to a shopping mall, buying a ticket in a movie hall etc. The case of the adventurous people is even more demanding. Most people rent a car or a bike and take a trip to the nearest outdoor adventure spot. Today, even for drinking a cup of tea or buying a toy for the kids, literally for almost everything, there is a bank transaction. The pay later option, minimises the need for bank authentication in all these transactions and lets a user buy or enjoy these services with a touch of a screen.

5.      Because, everybody deserves it!

In a cash dominant society like India, people like to deal in cash and hence, withdraw money from their bank accounts frequently. These pay later options are enabling these cash savvy people to use the digital transactions and still deal in cash too. Everybody deserves to enjoy the convenience of digital payments without altering their lifestyle in a day. Because, everybody deserves to live a convenient life.

With many advantages, pay later options like SIMPL is going to change the game of digital transactions in an unprecedented manner and bring in new disruptive changes in the way people pay for things.


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