About credi2

The startup provides a buy now, pay later (BNPL) module that enables banks, payment institutions, and retailers to implement end-to-end digital financing solutions with minimal operational effort. This service allows credit card providers to quickly offer modern payment and financing options to consumers, enhancing their technological capabilities and reducing time to market.

```xml <problem> Banks, payment institutions, and retailers face challenges in offering modern "buy now, pay later" (BNPL) and embedded lending solutions due to the complexities of integrating with existing core banking systems, managing risk, and ensuring regulatory compliance. Developing and maintaining these solutions in-house requires significant IT resources, operational overhead, and specialized expertise. </problem> <solution> Credi2 provides a white-label embedded lending platform that enables banks, card issuers, and retailers to rapidly deploy and scale end-to-end digital financing solutions, including installment loans, split payments, and revolving credit lines. The platform offers a modular architecture, automated operations, and pre-built integrations with core banking systems, payment gateways, and KYC/AML providers. This allows financial institutions to offer branded BNPL products across e-commerce, point-of-sale, and in-app channels with reduced time to market and minimal IT and operational overhead. The platform supports a range of financing products, including pay-per-invoice, split pay, installment loans, revolving credit, and subscription financing, all managed through a unified interface. </solution> <features> - White-label BNPL platform for banks, card issuers, and retailers - Modular architecture with pre-built integrations for core banking, KYC/AML, and payment processing - Support for multiple financing products: pay-per-invoice, split pay, installment loans, revolving credit, and subscription financing - Omni-channel capabilities: e-commerce, point-of-sale, and in-app integrations - Automated KYC and onboarding processes - Risk scoring and fraud prevention mechanisms - Customer and merchant portals for transaction management and reporting - ISO 27001 and ISO 27701 certifications for data security and privacy - API-driven architecture for seamless integration with existing systems </features> <target_audience> The primary target audience includes banks, credit card issuers, payment service providers, and retailers seeking to offer branded BNPL and embedded lending solutions to their customers without the complexity and cost of in-house development. </target_audience> <revenue_model> Credi2 generates revenue through a platform-as-a-service (PaaS) model, offering subscription-based access to its embedded lending platform with tiered pricing based on transaction volume, number of users, and level of customization. </revenue_model> ```

What does credi2 do?

Where is credi2 located?

credi2 is based in Vienna, Austria.

When was credi2 founded?

credi2 was founded in 2015.

How much funding has credi2 raised?

credi2 has raised 7030000.

Location

Vienna, Austria

Founded

2015

Funding

7030000

Employees

36 employees

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credi2

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Executive Summary

credi2.com 2K+

Founded 2015 – Vienna, Austria

Funding

Estimated Funding

$5M+

Team (30+)

No team information available.

Company Description

Problem

Banks, payment institutions, and retailers face challenges in offering modern "buy now, pay later" (BNPL) and embedded lending solutions due to the complexities of integrating with existing core banking systems, managing risk, and ensuring regulatory compliance. Developing and maintaining these solutions in-house requires significant IT resources, operational overhead, and specialized expertise.

Solution

Credi2 provides a white-label embedded lending platform that enables banks, card issuers, and retailers to rapidly deploy and scale end-to-end digital financing solutions, including installment loans, split payments, and revolving credit lines. The platform offers a modular architecture, automated operations, and pre-built integrations with core banking systems, payment gateways, and KYC/AML providers. This allows financial institutions to offer branded BNPL products across e-commerce, point-of-sale, and in-app channels with reduced time to market and minimal IT and operational overhead. The platform supports a range of financing products, including pay-per-invoice, split pay, installment loans, revolving credit, and subscription financing, all managed through a unified interface.

Features

White-label BNPL platform for banks, card issuers, and retailers

Modular architecture with pre-built integrations for core banking, KYC/AML, and payment processing

Support for multiple financing products: pay-per-invoice, split pay, installment loans, revolving credit, and subscription financing

Omni-channel capabilities: e-commerce, point-of-sale, and in-app integrations

Automated KYC and onboarding processes

Risk scoring and fraud prevention mechanisms

Customer and merchant portals for transaction management and reporting

ISO 27001 and ISO 27701 certifications for data security and privacy

API-driven architecture for seamless integration with existing systems

Target Audience

The primary target audience includes banks, credit card issuers, payment service providers, and retailers seeking to offer branded BNPL and embedded lending solutions to their customers without the complexity and cost of in-house development.

Revenue Model

Credi2 generates revenue through a platform-as-a-service (PaaS) model, offering subscription-based access to its embedded lending platform with tiered pricing based on transaction volume, number of users, and level of customization.