u/ManagementMean9886

In my analysis on e-commerce EMI in India, I've noticed that electronics and appliances see high penetration of EMI, whereas categories such as fashion, furniture, and personal care continue to lag despite comparable ticket sizes.

Is it due to the reason that:

Consumers do not consider EMI when it comes to "lifestyle" purchases?

Checkout experience does not promote EMI until it's too late?

Credit availability (i.e. credit cards) is the real issue?

Or something else altogether?

For consumers living in Tier 2 & 3 cities – What prevents you from availing EMI on non-electronics purchases?

In my analysis on e-commerce EMI in India, I've noticed that electronics and appliances see high penetration of EMI, whereas categories such as fashion, furniture, and personal care continue to lag despite comparable ticket sizes.

Is it due to the reason that:

Consumers do not consider EMI when it comes to "lifestyle" purchases?

Checkout experience does not promote EMI until it's too late?

Credit availability (i.e. credit cards) is the real issue?

Or something else altogether?

For consumers living in Tier 2 & 3 cities – What prevents you from availing EMI on non-electronics purchases?

In my analysis on e-commerce EMI in India, I've noticed that electronics and appliances see high penetration of EMI, whereas categories such as fashion, furniture, and personal care continue to lag despite comparable ticket sizes.

Is it due to the reason that:

Consumers do not consider EMI when it comes to "lifestyle" purchases?

Checkout experience does not promote EMI until it's too late?

Credit availability (i.e. credit cards) is the real issue?

Or something else altogether?

For consumers living in Tier 2 & 3 cities – What prevents you from availing EMI on non-electronics purchases?

In my analysis on e-commerce EMI in India, I've noticed that electronics and appliances see high penetration of EMI, whereas categories such as fashion, furniture, and personal care continue to lag despite comparable ticket sizes.

Is it due to the reason that:

Consumers do not consider EMI when it comes to "lifestyle" purchases?

Checkout experience does not promote EMI until it's too late?

Credit availability (i.e. credit cards) is the real issue?

Or something else altogether?

For consumers living in Tier 2 & 3 cities – What prevents you from availing EMI on non-electronics purchases?

I've been looking at how e-commerce EMI works in India. Electronics and appliances have high EMI adoption, but categories like fashion, furniture, and personal care remain under-indexed despite similar ticket sizes.

Is it because:

• Customers don't think of EMI for "lifestyle" purchases?
• Checkout UX pushes EMI too late in the journey?
• Credit eligibility (credit cards) is the real bottleneck?
• Or something else entirely?

For folks in Tier 2/3 cities — what's actually stopping you from using EMI for non-electronics online?

Curious about both customer and business-side perspectives.

I've been looking at how e-commerce EMI works in India. Electronics and appliances have high EMI adoption, but categories like fashion, furniture, and personal care remain under-indexed despite similar ticket sizes.

Is it because:

• Customers don't think of EMI for "lifestyle" purchases?
• Checkout UX pushes EMI too late in the journey?
• Credit eligibility (credit cards) is the real bottleneck?
• Or something else entirely?

For folks in Tier 2/3 cities — what's actually stopping you from using EMI for non-electronics online?

Curious about both customer and business-side perspectives.

I've been looking at how e-commerce EMI works in India. Electronics and appliances have high EMI adoption, but categories like fashion, furniture, and personal care remain under-indexed despite similar ticket sizes.

Is it because:

• Customers don't think of EMI for "lifestyle" purchases?
• Checkout UX pushes EMI too late in the journey?
• Credit eligibility (credit cards) is the real bottleneck?
• Or something else entirely?

For folks in Tier 2/3 cities — what's actually stopping you from using EMI for non-electronics online?

Curious about both customer and business-side perspectives.

I've been looking at how e-commerce EMI works in India. Electronics and appliances have high EMI adoption, but categories like fashion, furniture, and personal care remain under-indexed despite similar ticket sizes.

Is it because:

• Customers don't think of EMI for "lifestyle" purchases?
• Checkout UX pushes EMI too late in the journey?
• Credit eligibility (credit cards) is the real bottleneck?
• Or something else entirely?

For folks in Tier 2/3 cities — what's actually stopping you from using EMI for non-electronics online?

Curious about both customer and business-side perspectives.