Jagadeesan Ramalingam

Ring

RING is a consumer-first digital payments app launched by Kissht, India's leading payments & lending fintech player. It was introduced in 2022 by OnEMi Technology Solutions Pvt. Ltd. (The company behind the legacy of Kissht). Customers can use the RING App to transfer money to their bank or make payments on offline & online channels, including merchant payments for all expenses in one billing cycle at 0% interest within a stipulated time. Mini payments are offered entirely free of transaction costs. RING's customer profile includes aspirational millennials with instant needs to be met through various offline and online purchases. RING also offers instant gratification, such as rewards for every transaction & special cashback & discounts on purchases made at partner merchants. It helps customers build a credit profile & gives access to the platform's other financial products like loans, insurance & investments. Additionally, RING has over 5 lakh+ merchants that help them acquire customers. RING helps merchants increase their sales by offering a simplified payment option for their customers. The Loyalty & Rewards for merchants incentivize them to get more customers on the platform and earn cashback/rewards. OnEMi Technology Solutions Pvt. Ltd. has tied up with multiple RBI-registered NBFCs to provide loans to its customers. Si Creva Capital Services Pvt. Ltd is an RBI-registered NBFC engaged in the business of financing consumer loans for the purchase of goods & services from various channels as well as direct personal loans to consumers. At RING, human capital is the company's greatest asset, and hence there are many employee welfare policies in place that include flexible working hours, hybrid work mode, health insurance, complimentary meals, and transport. RING has a robust, inclusive culture that fosters a sense of belonging. Employee suggestions are highly valued, and every individual is actively encouraged to bring out the best in them.