I haven’t used this or any other micro-borrowing service. But we’ve got over a decade‘a worth of failed microtransaction services in the West. I’m going to guess that this is a fantastic way to encourage traction with such a service. Want to spend a few cents here and there? Great! Get started and pay us later. Then when you’ve used that up they get your (bank) details and trust you with more and more credit, until they’re no longer micro-loans. And people buy all sorts of stuff (consumer goods) on credit, this much shouldn’t be a surprise.