BNPL 2.0 Credit platform for Marketplaces

Add your own credit products to further monetize you marketplace.

Expand payment options, increase sales, generate new revenues

Marketplaces have to continuously expand their payment methods to ensure platform users can pay with their preferred payment method at the checkout. This delivers higher sales conversions, and a better customer experience.

Tarya’s next-generation BNPL 2.0 solution offers much more than the common BNPL solutions on the market. Marketplaces have the flexibility to launch their own, fully customized BNPL solution and choose their preferred risk level ( risk is on you or risk is on us).

By using their self-managed BNPL solution, marketplaces become the financial service provider for their own marketplace to generate new revenue streams from financial lending services that are traditionally outsourced to external service providers.

Create new revenue streams. Add your own Buy Now Pay Later credit product.

Tarya has developed a one of a kind, cloud-based financial lending platform, which empowers Retailers to branch out into financial services and offer their own branded version of BNPL to their customers.

With Tarya, Retailers receive an end-to-end lending platform, powered by AI, to introduce credit based payment options to their customers.

The seamless integration provides retailers with a hassle-free payment extension to create an additional revenue stream based on financial lending services.

Your Marketplace. Your Credit Terms.

Marketplace providers receive full flexibility to create their own financial models and to determine the credit terms that best suit their business and customers.

Tarya provides the necessary expertise in financial modeling and financial system integrations to ensure your credit payment integration runs smoothly from day one.

Risk or No Risk. You Decide.

Choose the risk path best suited for your business.

Tarya BNPL 2.0 is different from all the other “standard” BNPL solutions on the market. We offer two risk paths you can choose from.

Risk is yours – you take on the credit risk, but enjoy higher revenues from interest payments.

Risk is ours – you prefer no risk and choose to insure your credit contracts, for which you pay an insurance premium.

Both risk options benefit from our advanced AI and ML risk assessment engine to minimize your risk upfront. Each borrower is profiled using a multi-data layer to provide you with an immediate and accurate risk assessment for each loan request.

You decide which risk level you prefer for you credit products.

AI & ML to reduce risk and make smart business decisions.

Our built-in AI and ML engine ensures that your business is making the right risk decisions for every credit or loan request you receive.

Every borrower is instantly profiled pulling user data from multiple sources to create an in-depth user profile, including trustworthiness, financial stability, credit standing, financial assets, behavioral patterns and their ability and willingness to return loans.

Our AI then assigns a risk score to every borrower providing you with immediate and accurate insights to make better decisions while minimizing your risk exposure. The integrated machine learning (ML) component ensures that our risk assessment is continuously improved over time.

Designed and developed by financial experts

Tarya employs a team of financial experts and skilled developers with deep financial expertise to create a cloud-based financial lending platform that complies with financial regulation, while delivering a user-friendly and automated lending process across the entire loan lifecycle.

Our experts provide valuable insights and work closely with our customers on their financial models and integration to ensure a smooth and optimal launch of their own lending service.

All in one lending platform

One of the biggest advantages for retainers, when opting in for Tarya’s end-to-end lending platform, is that you receive everything needed to run your own lending service ready out-of-the-box.

Each of the modules is also available separately to integrate with existing financial flows and products.

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Lending Platform Modules

Loan Origination

An optimized onboarding funnel enabling both the borrower and agent/sales-rep to apply for a new loan.

Risk Management

Customer profiling based on multiple data sources (Financial/Credit Bureau data, Organizational data, Digital Profiling and Online Psychological Assessment). The accumulated user data is analyzed and our AI assigns a credit score for each borrower providing an immediate and in-depth risk assessment for each loan request.

Credit Management

A comprehensive platform to manage all aspects of the loan management lifecycle.

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