Digital loan
Transform your point of sale into an instant credit subscription channel
We enable our clients to streamline the in-store credit subscription process - no app downloads required. Instantly issue virtual cards and support wallet integration, converting your points of sale into effective customer acquisition channels from the very beginning.
Your main challenges
Point of sale: an underutilised credit acquisition opportunity
Despite over 70% of purchases occurring in-store, most credit offerings remain limited to digital channels. This represents a significant missed opportunity for customer conversion, as more agile competitors capture business by engaging customers at the critical decision-making moment.
Barriers to in-store credit subscription
Requirements such as mandatory app downloads, dependence on sales staff and multiple validation steps create friction in the purchase journey. These obstacles delay decision-making, complicate the role of sales advisers and reduce overall conversion rates, causing key subscription opportunities to be missed.
Fintechs are raising the bar for customer experience
Fintech companies are setting new standards with seamless user journeys, instant card issuance, and native mobile payment options. Traditional institutions must quickly adapt to these expectations or risk losing both relevance and customer acquisition.
Our approach
Streamlined experiences from day One
We address the real challenges faced by both customers and sales staff, designing intuitive and seamless processes that boost conversion rates directly at the point of sale.
Rapid delivery without compromising on quality
Within a matter of weeks, we deploy initial test-ready versions in-store. Our solutions combine robust mobile capabilities - such as web applications and virtual cards - with a focus on usability and user experience.
Scalable solutions for broad deployment
Our offerings are engineered for swift, large-scale rollout, featuring reusable components, technical scalability and straightforward adaptation for local markets.
Measurable value from the start
Every feature is developed in alignment with specific business objectives - whether activation, conversion or adoption. We work closely with your teams to monitor and measure impact over time.
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Our key figures
Under 1 minute
80% drop
6 to 9 weeks
€22M NBI
Our case studies
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Oney: accelerating BNPL innovation
API diagnosis, Webview business case and multi-method integration strategy
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