Motorola Partners With Innoviti to Accelerate Smartphone Financing Across Offline India
FinTech BizNews Service
Mumbai, 16 October, 2026: Motorola, one of India's leading smartphone brands, has partnered with Innoviti Technologies Pvt. Ltd., India's leading payments-centric retail SaaS platform for enterprise brands and their SME channel partners, to expand smartphone financing across its offline retail network. Powered by innoviti genie, Innoviti's point-of-sale platforms for mobile and electronics retailers, the partnership brings instant, IMEI-authenticated Brand EMI offers, low-cost financing and instant cashbacks to Motorola's Edge, G and E series at eligible counters.
Financing made simple at the counter
Financing is now central to how consumers choose and upgrade their smartphones, and the store counter is where that decision comes together. With many combinations of variant, RAM, storage, colour, bank offer and EMI tenure, retailers need a way to present the right offer instantly. innoviti genie does exactly that, connecting product identity to financing logic:
● Automated IMEI authentication: staff scan or enter the IMEI, and innoviti genie instantly identifies the exact Motorola SKU — RAM, storage and colour — and applies the right bank offer and discount at the register, accurately and without manual calculation.
● Flexible financing, by SKU: 3, 6, 9 and 12-month tenures configured per SKU, spanning No Cost EMI (Motorola-funded interest), Low Cost EMI, instant counter cashbacks and brand-funded UPI discounts.
● Pan-India reach: live across Motorola's network of approximately 25,000 mobile handset retailers, from metros to Tier 4 markets.
Built for the merchant
innoviti genie helps local retailers sell more, at higher margins and with healthier cash flow:
● Instant settlement: funds reach merchants immediately, supporting steady, predictable cash flow.
● Zero rental, minimal MDR: premium financing tools with no device rental fees and minimal Merchant Discount Rates, so retailers gain the capability without fixed overhead.
● Omnichannel reach via innoviti link: integration lets the same storefront collect remote online payments securely, helping neighbourhood shops grow their customer base.
For Motorola, the partnership places its Brand EMI programme in the hands of around 25,000 retailers who execute it consistently — turning offer design into conversion at the shelf, across every tier of India's offline market. And with innoviti link available on the same platform, these retailers can extend Motorola sales beyond the counter, collecting payments from remote customers securely — giving neighbourhood stores online-like reach.
Executive Commentary
"Smartphone financing has become an important part of the offline purchase decision, especially when consumers upgrade to a higher-value device. Motorola's Brand EMI programme on innoviti genie brings discovery, authentication and transaction together at the counter. By automating the SKU-level offer logic, we help retailers deliver the right offer to the right consumer, simply."
— Sandeep Mina, Chief Business Officer, Innoviti Technologies Pvt. Ltd.
"As consumers across India increasingly look for flexible ways to own the smartphones they aspire to, financing is now a key part of the purchase journey. This partnership brings Brand EMI offers closer to consumers at the point of purchase and gives our retail partners a simple, effective way to communicate them. We remain committed to expanding access to Motorola's portfolio across India's diverse offline retail ecosystem."
— T M Narasimhan, Managing Director, Motorola India
