Bengaluru: With prices of smartphones, laptops and other electronics rising 30-40% in recent months, consumers are increasingly relying on equated monthly instalments (EMIs) and buy-now-pay-later (BNPL) options to make purchases this festive season, cushioning retailers against a slowdown in demand.At Bengaluru-based Pai International Electronics, which operates across Karnataka, Andhra Pradesh and Telangana, 70-80% of smartphone sales during