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eCommerce and Retail

Dynamic solutions for real-time, accurate retail credit decisions and personalized pricing.
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<10s
Approvals in <10 seconds
rac
135%
increase in conversions
mtn
6x
processing capacity improvement
tbi

Say hello to real-time retail and eCommerce lending, and say goodbye to abandoned carts. Make the right fraud and credit decisions, quickly, to offer your customers the frictionless retail lending process they demand, all in one holistic, end-to-end solution.

Effectively balance risk with opportunity, thanks to holistic, end-to-end decisioning that ensures real-time, accurate risk and fraud decisions at point of sale.

  • Make more accurate decisions across fraud, identity and credit risk, in real-time, with a variety of both traditional and alternative data sources easily integrated into your decisioning workflows
  • Empower business users to make changes to decisioning workflows in minutes, without IT and outside vendor reliance (but we’re here if you need us)
  • Identify opportunities to improve efficiency and decisioning accuracy with embedded decision intelligence and pre-configured dashboards

Say goodbye to abandoned carts: give your customers more relevant, personalized pricing and product offers in real-time, without the friction.

  • Ensure customer satisfaction with personalized pricing and relevant product offerings at point of sale, with embedded intelligence and advanced analytics
  • Get new products to market faster, with low-code technology to build and launch with ease
  • Enable a fast, frictionless lending process and approvals with on-demand automation
  • Get rapid exception approvals and frictionless lending experiences with integrated case management

Evolve your risk models as quickly as industry threats and regulatory changes emerge, all in one low-code, end-to-end decisioning solution.

  • Meet compliance needs with future-proof technology that adapts to evolving market and legislation demands, without exposing you to more risk
  • Identify and mitigate the risk of fraudulent activities, chargebacks, and high-risk customers with intelligent decisioning that provides advanced insights
  • Get deeper fraud insights, with the ability to quickly test and deploy additional data sets, and benefit from a variety of easily integrated data sources, including KYC, AML, open banking and more
Enable accurate, real-time risk assessments
Effectively balance risk with opportunity, thanks to holistic, end-to-end decisioning that ensures real-time, accurate risk and fraud decisions at point of sale.
  • Make more accurate decisions across fraud, identity and credit risk, in real-time, with a variety of both traditional and alternative data sources easily integrated into your decisioning workflows
  • Empower business users to make changes to decisioning workflows in minutes, without IT and outside vendor reliance (but we’re here if you need us)
  • Identify opportunities to improve efficiency and decisioning accuracy with embedded decision intelligence and pre-configured dashboards
Deliver seamless lending experiences
Say goodbye to abandoned carts: give your customers more relevant, personalized pricing and product offers in real-time, without the friction.
  • Ensure customer satisfaction with personalized pricing and relevant product offerings at point of sale, with embedded intelligence and advanced analytics
  • Get new products to market faster, with low-code technology to build and launch with ease
  • Enable a fast, frictionless lending process and approvals with on-demand automation
  • Get rapid exception approvals and frictionless lending experiences with integrated case management
Meet compliance demands and prevent fraud with ease
Evolve your risk models as quickly as industry threats and regulatory changes emerge, all in one low-code, end-to-end decisioning solution.
  • Meet compliance needs with future-proof technology that adapts to evolving market and legislation demands, without exposing you to more risk
  • Identify and mitigate the risk of fraudulent activities, chargebacks, and high-risk customers with intelligent decisioning that provides advanced insights
  • Get deeper fraud insights, with the ability to quickly test and deploy additional data sets, and benefit from a variety of easily integrated data sources, including KYC, AML, open banking and more

How can we optimize your

retail/eCommerce lending strategy?

How can we optimize your Retail/eCommerce Lending strategy?

Discover where we help and when we’re used.

Credit Risk Onboarding

Seamless credit risk onboarding for merchants and customers.
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Customer Management

Proactive customer engagement to maximize lifetime value.
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Collections

Fair collections strategies to maximize the chance for ongoing credit relationships.
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Fraud & Identity

Smarter application fraud detection and streamlined investigations.
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QUESTIONS

Frequently Asked Questions

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How does improving our POS lending technology help reduce cart abandonment?
When you incorporate real-time credit risk decisioning into your POS lending technology, you enable instant approvals for your customers. Reducing friction in the buying process greatly improves the overall customer experience and reduces the likelihood of cart abandonment. Bonus: with real-time data and advanced analytics, you can even enable more personalized offers for your customers, improving their experience even more!
How can POS lending technology help us introduce new products to market faster?
With an automated credit risk decisioning process behind your POS lending technology, you can make changes to decisioning processes on your timeline, not your IT department’s or your tech vendor’s. This allows you to respond to market changes faster and iterate on your workflows/products in market or launch new ones at record speed.
What are the best data sources to use to ensure real-time credit risk decisioning in POS lending technology?
Variety is the spice of life – and it’s the case for data too. Using a combination of traditional credit data (including credit scores/credit bureau reports) and alternative data (transactional data, open banking, social media activity, mobile usage patterns, rent/utility payments) ensures a more holistic, accurate view of your customers – and a better understand of their creditworthiness, all in real-time.
How does POS lending technology reduce our overall business risk?

The more accurate view of your customers, the more accurate your fraud and credit risk assessments. This means that you can say yes to more customers and their financing requests, detect fraud more effectively, reduce friction in the buying process for your customers, and launch new products with ease. 

Balance risk with opportunity across the customer lifecycle.

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