BNPL 2.0 for Travel Loans More than just a common BNPL

Launch your own loan product. Increase sales and generate new revenue streams. Choose your risk level and keep all your customer data in-house.

Grow your business with your own loan service

Enrich your business with next-generation payment options to increase sales and generate new revenue streams.

Our self-service BNPL 2.0 solution provides your business with an intuitive plug-and-play widget to easily launch your own consumer credit solution. Embed our BNPL 2.0 into any website / in-store (point of sale) as an alternative payment method to boost sales conversions.

Common BNPL solutions provide lending to your customers and at the same time take ownership over them (“stealing them”), Tarya BNPL 2.0 provides the buy-now-pay-later solution while leaving you in full control over your customers.

Control the entire customer experience from purchase to funding and choose between taking all the risk or having us take it instead (premium service).

Your business. Your credit terms.

Create credit/loan products that are best suited for your customers.

We believe merchants know their business and their customers best, therefore they should be able to fully control the financial terms of their credit offering (installments, interest rate, etc.) Our lending solution takes care of risk management to reduce fraud and defaults, while maximizing the company’s revenue stream. Tarya provides merchants with a comprehensive management dashboard to monitor and control the entire loan operation, mitigate risk, and grow your business.

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.

See what’s under the hood

So much more than a standard BNPL solution

All the features you need to successfully deploy an
Embedded Finance (BNPL 2.0) loan service for your business.

Merchants

Onboard

Add our BNPL payment solution to your online store in no time, via a simple and intuitive interface

Customize

Optimize your financial terms based on your business needs (# of payments, level of risk, interest rates)

Manage

Manage your business using our comprehensive loan management dashboard

Customers

Onboard

Customizable & dynamic onboarding flow

Our Enhanced BNPL solution includes several main modules to deliver a holistic loan service.

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.

Customer Onboarding Flow

A travel loan is a type of personal loan used to fund travel, either domestically or internationally. Travel loans are unsecured loans, as they do not require collateral, and come with fixed interest rates. Travel loans are becoming highly popular as they can be used to cover tickets, travel expenses, vacationing, and any other travel purpose.

Given the popularity of travel loans, more and more travel loan services consider offering point-of-sale loans, including Tarya’s Buy-Now-Pay-Later 2.0, to help their customers to pay over time via installments, avoiding burdensome checks and third-party intermediaries.

Vacation loans, also known as travel loans, work as any other loan. For example, if the borrower is planning a trip but has insufficient funds, they can apply for a loan, submit the required documents and wait for the lender to assess their application. If approved, the borrower and the lender agree on an amount, interest rate, and scheduled payments. Again, we should note that vacation loans are unsecured loans as they are not secured by collateral (e.g., your home).

Buy-Now-Pay-Later vacation loans are among the most popular solutions that are pretty straightforward. Instead of receiving a lump sum, the borrower can finance their plans now and make installment payments over time. The good news is that BNPL comes with a smooth application process and higher approval rates.

Travel or vacation loans are highly popular as they meet today’s demand for travel, free movement, luxury trips, and/or authentic experiences. Interestingly, Millennials and Gen Z are those looking to spend the most on travel. In fact, 65% of Gen Z would fund a trip instead of purchasing a new car. No wonder more and more companies are offering travel loans. Here we should explain that any personal loan can be used to finance your travel plans, even if the company that lends you the money is not in the travel sector.

In this dynamic landscape, BNPL solutions are becoming more and more popular as they allow you to plan now and budget properly, thanks to transparent conditions and scheduled payment plans over time.

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