Developing an app akin to Tabby involves crafting a user-friendly platform that revolutionizes the buy-now-pay-later experience. This entails creating a seamless shopping experience where users can opt for flexible payment options at checkout. Integration with a wide array of merchants and payment gateways ensures accessibility for all users. The app should provide transparent payment terms, personalized recommendations, and budgeting tools to enrich the user journey. Robust security protocols, such as encryption and authentication, safeguard user data and transactions.