Use Case
Fintech Product Development
BNPL at scale for a global fintech
The challenge
A fast-growing global fintech needed to scale BNPL beyond a “feature” and turn it into a dependable system of record—one that could support high transaction volumes, strict auditability, and financial accuracy across the full lifecycle of an installment plan. Typical banking systems and legacy cores often struggle here: they’re not designed for rapid product iteration, nuanced BNPL flows (refunds, partial reversals, disputes), or the operational transparency required by modern risk, finance, and compliance teams. At the same time, expansion into multiple countries introduced additional complexity: differing regulatory regimes, local reporting requirements, varying underwriting and affordability rules, and data residency expectations—all without sacrificing consistency, control, or time-to-market.
Our Approach
Our team supported this well known global fintech by leveraging the open source project Apache Fineract(R) and contributing upstream.
To deliver flexibility beyond typical cores, we enabled configurable product behavior—repayment schedules, fees, refunds, partial reversals, dispute flows, dynamic limits, good will credit, and progressive loan repayment allocation strategies —while preserving strict accounting integrity. This approach made it possible to evolve products quickly without compromising the “books,” settlement accuracy, or operational correctness.
Finally, we built cloud-native from the start: containerized services, infrastructure-as-code, CI/CD automation, modern observability, and strong security primitives (encryption and audit logging). We also separated a consistent global core from localized policy layers, allowing the fintech to launch market-by-market with repeatable deployment patterns while adapting to jurisdiction-specific regulations, disclosures, reporting formats, and data requirements—without rewriting the platform each time.
Key benefits
Reduced operational costs through automated processes and cloud-native efficiency improvements.
Improved customer satisfaction via modern digital interfaces and faster transaction processing. This led to fewer dropped retail transactions.
Future-ready architecture that supports continued innovation and adaptation to market changes.
Global fintech enabled BNPL serving millions of customers per year, and higher throughput on Black Friday than on any previous system. At peak, serving over 2.1 million loans per day.
“We were impressed by the level of performance of the system, and the speed at which we could ramp up from go live to full volumes – and then we kept adding new functionality.”
Executive
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