Every household consumes numerous essential services like electricity, gas, water, landline, banking, mobile phones, etc. Besides these, households also need services with discretionary spending like DTH, travel, entertainment, remittance / money-transfers, financial services, etc. India, the largest democracy with over 250 million households, is witnessing enormous growth in the services industry. While new services are being introduced, the consumer base of the already offered services is growing at a steady pace. The process of availing and making payments for these services is often cumbersome and time-consuming due to the lack of an effective and sufficient service delivery channel. Zambo capitalizes on this enormous need, which will continue to grow in view of the under-penetration of the offered services, growth of the service sector and increase in spending power of the average consumer.