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BNPL and embedded lending

Innovate and grow new revenue

Buy now, pay later (BNPL) and point-of-sale (POS) lending are exciting growth opportunities and essential to staying competitive, yet limited access to tech talent and the complexity of legacy technology prevents many from moving forward. FintechOS simplifies BNPL and embedded lending, enabling you to launch embedded products within weeks, without changing out your tech stack.

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finance FintechOS $1T

global BNPL industry size by 2025 according to Bank of America

business FintechOS 181%

expected BNPL market growth, accounting for 13% of all global ecommerce payments by 2024

development FintechOS >50%

of consumers of all age groups are open to using BNPL when they’re shopping

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How does FintechOS help?

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Dedicated BNPL capabilities
Access a full range of product and journey capabilities to bring to market unique BNPL products.
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Pre-built solution components
Fast-forward development by starting with digital journey templates designed for embedded lending use cases​.
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Total control of product design
Control all aspects of the customer experience and underlying product parameters, including powerful credit/risk scoring and decisioning rules.
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Full lifecycle via a single platform
Cover the full BNPL solution lifecycle, including merchant administration, reporting and analytics, and after-sales self service including payments.
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Quick to launch and service
Work with the FintechOS team, our partners, or do it yourself – we have you covered!

Launch new products in 12 weeks

With the FintechOS platform, create and iterate PoS lending products without coding. Leverage product accelerators and FintechOS Kickstart to go to accelerate your time to value.

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Innovate to drive revenue

Build personalized automated customer journeys that engage consumers. Leverage data and third-party services to create innovative differentiated products that drive revenue.

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Empower your business lifecycle

Remove your dependency on scarce tech talent. With the FintechOS platform, empower your team to service and expand your financial products more efficiently and at a lower cost.

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Solution details

Embeddable customer experience

Journey logic and orchestration for third-party front ends​

Lending product factory

BNPL financial product factory, including eligibility logic​

Business logic orchestration

Configurable, with data and automation across front end, merchant office, product management, and system administration

Brand management

Complete control over channel integration, content, and localization 

Composable business capabilities

Consumer, contracts, and transaction processing via optional subledger

Cloud-native architecture

Secure scalable development and hosting

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Checkout Integration FintechOS
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Egibility 1 FintechOS
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Start with pre-built digital journeys

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Ecommerce purchase offers
Automatically surface BNPL options in product pages
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Checkout integration
Place new BNPL options in checkout
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BNPL onboarding
Signup new customers
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Eligibility
Configure credit eligibility checks
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Identity
Integrate your preferred KYC ID provider
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Affordability
Leverage open banking data integration
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Payments
Self-serve the management of payments

Start with pre-built digital journeys

Group 3465923 FintechOS
Vector FintechOS
Ecommerce purchase offers
Automatically surface BNPL options in product pages
Checkout Integration FintechOS
Vector 1 FintechOS
Checkout integration
Place new BNPL options in checkout
wallet FintechOS
Vector 2 FintechOS
BNPL onboarding
Signup new customers
Egibility 1 FintechOS
Vector 3 FintechOS
Eligibility
Configure credit eligibility checks
Identity 1 FintechOS
Vector 3 FintechOS
Identity
Integrate your preferred KYC ID provider
Affordability 1 FintechOS
Vector 3 FintechOS
Affordability
Leverage open banking data integration
Payments 1 FintechOS
Vector 3 FintechOS
Payments
Self-serve the management of payments
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Learn how you can get up and running with your solution in 12 weeks.​

Request a demo
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