ekpay Later is an innovative and user-friendly B2B2C fintech lending platform designed to provide consumers in Hong Kong with a flexible payment solution, allowing them to split their purchases into instalments. Unlike traditional "Buy Now, Pay Later" (BNPL) services, this app offers enhanced cash flow flexibility by enabling shoppers and merchants to extend their repayment periods, ranging from 3 months to 12 months, with the application of interest. This seamless payment solution has gained popularity for its convenience and accessibility, making shopping a more enjoyable and manageable experience for consumers. 

The ekpay Later platform will be looking deeper into credit-building, as it has noticed that many people in Southeast Asia have low credit scores and face difficulty in obtaining low-interest rate loans. By offering instalment loans with relatively low repayment amounts, "ekpay Later" can provide consumers with an opportunity to build or improve their credit scores. This can be particularly valuable for those who have struggled to access traditional low-interest rate loans due to their credit history.

To make the credit-building process effective, ekpay Later will provide consumers with educational resources and guidance on responsible financial management. Understanding how credit works and how to manage it can significantly benefit users in the long run.