Lucky is a fintech company that specializes in providing flexible installment payment solutions to consumers. Operating primarily in the e-commerce and retail sectors, Lucky partners with over 10,000 stores and sellers to offer customers the ability to pay back purchases in installments of up to 60 months, starting at a 0% interest rate. The business model is centered around forming partnerships with merchants who benefit from increased sales and customer retention by offering flexible payment options. Lucky generates revenue through merchant fees and potentially through interest on longer-term installment plans. The company ensures compliance with local legal and regulatory requirements regarding data privacy and retention, providing a secure and user-friendly experience for its clients. Lucky's target market includes both online and offline shoppers looking for convenient and affordable payment plans.

Keywords: fintech, installment payments, 0% interest, e-commerce, retail, partnerships, customer retention, merchant fees, data privacy, flexible payments.