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Shivam Malhotra

Founder of stockkhat... • 1y

Hey everyone! I'm developing a fintech app with a unique concept: offering 0% interest loans to users. While this sounds great for borrowers, I'm seeking your input on the biggest challenge - ensuring loan repayment. Here's the idea in a nutshell:

Sachin Sk

Business analyst wor... • 1y

There are many ways actually one of them is : After purchasing or spending much amount like 10Lakhs, you will get this offer. If they can spend so much they will be able to repay?.

Shivam Malhotra

Founder of stockkhat... • 1y

That's a valid point. My goal with the app is to be more inclusive and cater to a broader range of users. Here's the idea: Offer tiered loan options: This would allow users to choose loan amounts based on their needs. There could be smaller, interest-free loans for students and short-term needs, and larger loans with interest for bigger purchases. Creditworthiness assessment: The app would still have a system to assess creditworthiness, but it could go beyond just spending history. This could include income, existing debts, etc. Financial literacy tools: Integrating financial literacy tools within the app can help users make informed decisions about borrowing and managing their finances.

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