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TECH IN FINTECH

We offer fast and professional setup of advanced loan products for your customers
Make
your own installment payment service
BNPL
INSTALLMENT CARD
INSTALLMENT LIMIT
Buy now pay later
Installment on purchases from partner companies of the bank program
Credit limit for purchases in online stores by installments

Your own installment payment service

BNPL-service operators can independently modify the conditions of service provision, terms, repayment options to meet the needs of specific partners.

BNPL

Buy now pay later
The debt is automatically written off every 1–2 weeks.
The speed of service increases, which is important for today's consumer.
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It is now one of the fastest-growing financial services worldwide.
This product gives you the opportunity to make purchases in installments and without overpayment, but only from partner companies of the bank program.

INSTALLMENT CARD

Installment on purchases from partner companies of the bank program
The client pays no interest on the loan. The card is serviced free of charge.
The convenience of this tool is that the buyer is  not limited in their purchases and can make not one but several purchases within the limit of their card.
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A service that allows the customer to receive a personal limit to pay for purchases in installments.

INSTALLMENT LIMIT

Credit limit for purchases
in online stores by installments
The limit is renewed by the sum of monthly repayments or after full early repayment.
The size of the limit is calculated directly on the marketplace and is only valid for purchases on it.
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If the goods are not covered by the "Installment Limit", the marketplace can offer the buyer, for an additional fee, the option to pay by installments.

Benefits for the bank from the launch of the installment service

PROFIT
A commission for a customer's use of funds from an online store or marketplace.
MORE PROFIT
Profit from penalties charged to consumers due to late payment.
LIFETIME VALUE
Having information about customers makes it easier to offer them more expensive products, increasing LTV – customer's lifetime value.
EXPANDING THE TARGET AUDIENCE
Modern tools attract a younger segment of customers who would never be your customer with traditional credit products.
COMPETITIVENESS
New loan products in the bank's portfolio provide serious advantages in the highly competitive financial services market.
CUSTOMER LOYALTY
Increased customer loyalty to the bank as a result of a positive experience with the new products.

Brainysoft Fintech Platform

Graphical representation of the Brainysoft Fintech Platform workflow.
Graphical representation of the workflow

Key Features | Technical part for IT specialists

GUARANTEED ACCESS
Geo distributed structure for scalability and guaranteed access to software from anywhere in the world.
MONITORING
Get a ready-to-use process monitoring service. Or we can help set up monitoring for you.
SERVERS
Broad experience in building data centers and Distributed Mass Storage System.
SCALABILITY
Scalability to clusters. Ability to be installed in the customer's infrastructure.
SLA
SLA as agreed.

Key Features | Functionality and Operation

FUNCTIONALITY

Flexibility and ease of configuration:
  • calculation mechanisms;
  • credit products;
  • additional attributes for basic entities.
Expandability of the calculation library:
  • data retrieval from external modules;
  • in-process modules.
Ease of integration into IT-systems:
  • convenient API;
  • informativeness of errors.
Integration into the IT-system:
  • own process in the OS;
  • in-process.
OPERATION

  • High intensity of incoming transactions;
  • Large amount of stored data;
  • High horizontal scalability, primarily of the master database;
  • Constant performance (or close to constant);
  • Hot and cold data;
  • Unpretentiousness in hardware;
  • Flexible mode control.

Key Features | Infrastructure scheme

Graphical representation of the Brainysoft Infrastructure scheme.
Infrastructure scheme
Contact us
+7 (967) 065-71-17

anita.khasanova@brainysoft.ru

Bolshoy bulvar 42, stroenie 1, office 2-216, Skolkovo Innovation Center, Tehnopark, Moscow, Russia, 121205
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The research is carried out by BrainiSoft LLC with grant support from the Skolkovo Foundation