BNPL has become a critical driver of conversion and customer engagement across digital commerce. However, rapid growth, thin margins, and rising credit risk expose providers to losses when decisioning and controls do not evolve in real time. Sustainable BNPL requires intelligence that balances speed, risk, and customer experience.
Enables instant eligibility, limit, and pricing decisions at checkout.
Assesses repayment behavior, fraud risk, and customer lifetime value dynamically.
Rapidly configure BNPL terms, tenures, fees, and merchant programs.
Automates onboarding, repayments, notifications, and collections.
Ensures policy enforcement, auditability, and regulatory readiness.
Core capabilities that power intelligent automation, seamless integration, and scalable performance across the entire ecosystem.
Focused execution and intelligent automation deliver measurable improvements across the lending lifecycle, creating clear and sustained business impact.
Engagement models designed to offer flexibility, transparency, and control.
responsible BNPL deployment.
into risk and performance.
over limits, policies, and governance.
high-volume BNPL growth.
Key engagements that showcase innovation, efficiency, and real business results.
Real-time BNPL decisioning improved conversion while controlling delinquency.
Behavioral risk models reduced repeat default rates across BNPL users.
Low-code BNPL configuration accelerated merchant expansion.
Insights and perspectives that shape industry thinking and inspire state-of-the-art digital transformation.
Zoral’s BNPL solution enables instant, low-friction consumer credit at the point of purchase while maintaining disciplined risk and profitability controls. Powered by Olympus fOS, it delivers real-time eligibility and pricing decisions, automates onboarding and repayments, and supports adaptive controls to manage exposure as behavior changes. Configurable workflows handle exceptions and collections efficiently, while embedded governance ensures consistency and auditability. The result is higher conversion, sustainable BNPL growth, reduced losses from fraud and delinquency, and a scalable embedded finance capability that works across merchants, channels, and partners.
