Lending is here to stay.Numbers prove it.
Buy now, pay later
market size in 2026.
Source: Juniper Research
BNPL users by 2027.
Source: Juniper Research
of consumers appreciate the simple application process for BNPL.
Source: Credi2 study, 2021
Top 5 benefits
Banks and issuers set the digital financing standard with credi2's Embedding Lending-as-a-service platform for any instalment or BNPL product.
- Fast time to market
- Growth: reach Gen Y & Z
- Online. Mobile. Point of Sale
- White-label end-to-end solution
- Reduce implementation efforts and costs
The market favors lendersto take over.
Tighter EU regulation for BNPL & higher refinancing costs clearly favor banks and issuers to step into the Pay Later market and take over.
Generation Y & Z favor flexible buy now, pay later driving 274% growth, creating a $1 trillion opportunity by 2026.
42% of consumers want credit card linked BNPL.
Post-purchase installments to generate 200-300% CAGR.
Embedded Lendinguse cases
Embedded financing covers any pre-, during-, and post-purchase use cases along the customer journey. With any instalment or BNPL product.
- eCommerce financing
- Point of Sale financing
- Instalment on cards
- Cash loan
Nowadays buy now, pay later financing methods are responsible for up to 70% of check-outs. Furthermore, they push revenues by up to 15-30% in many verticals by attracting new incremental target groups like Gen Y & Z. Offering popular split pay or payable by invoice payments based on your own white-labeled BNPL platform comes with more control, better commercial rates and ultimately more revenue. Banks and retail can leverage their unique advantages through credi2's pay later platform.
Point of Sale financing
Consumers expect a seamless omni-channel experience and therefore the same payment flexibility at the physical POS. With modern, easy to use, fast and 100% digital retail financing methods like installment loans, split pay or pay on invoice, consumers can be served with the same advantages known from eCommerce. Release store staff from complex processes, while benefitting from bigger shopping baskets and more revenue. Banks and Retail can unleash this untapped potential.
Instalment on cards
Issuers can easily enter the buy now, pay later market by leveraging their unique positioning and being the inventors of pay later payments decades ago. By offering pre- and post-purchase instalments, linked to a virtual BNPL charge card, any post-purchase credit card transaction can be converted into an installment solution. Offering consumers more flexibility and product convenience. Issuers can therefore build up a credit book to create new revenue streams and offer an alternative to embedded BNPL solution.
Offering a cash loan within 10-15min, under your brand, fully digital. That's what many financial players would do too. Serving consumers when they need smart liquity management. Credi2's fully digital platform deploys instalments loans under your banks brand, by liberating you from all IT, operation and product hassles, so you can focus on going to market.
What our customers say
The best financing product for your business model.
Credi2's BNPL platform offers four flexible white-label financing products. Easily embedded at any payment touchpoint.
- Pay per invoice
- Split pay
- Installment loan
- Revolving credit
Launching a card-led installment product: The challenges
Card-led pay later solutions are here to stay
Lets go into the details.Top FAQ's
The credi2 solutions offer a variety of risk- and onboarding models for customers. From a simple credit scoring including basic identification and fraud prevention mechanisms up to a fully AML-compliant customer onboarding including QES service can be provided. The provided models and processes comply with regulatory requirements to fit the products offered best.
The risk and onboarding solution of credi2 services are configured and setup based on your individual needs and specifications. All solutions can be adjusted to your needs ranging from incorporation your preferred partners to utilization of your existing models and services.
Customer and merchant portals can be provided and offer e.g. transaction and payment overviews, payment management and reporting and document management capabilites.
All services and solutions can be operated as white label services or as partner branded solutions.