SpendNDrop BNPL
Improving Financial Lives
BUY NOW
PAY LATER
Ubiquitous Credit & Transactions
Monetization Opportunities
Mission
Improve Financial Lives by providing timely, transparent and contextual Financial Products.
Vision
Core Values
How does it work?
Banks BNPL
- New credit offer using 90 days transaction AI model
- Receives offer (digitally powered) for an unsecured loan with money in digital wallet
- Customer can buy good and services via Bank issued virtual card or using QR code based payments
- Additionally connect other accounts seamlessly and transact
- Build marketplace relationships with third parties
- Customer conducts Balance Transfer on the digital app
- Real time ability “drop” certain transactions from competing card and convert to monthly installments freeing up card limit (Transfer now Pay Later)
- Payment made to card and balance transfer booked by Card Issuer
- New revenue stream for the bank
Merchants
- Merchants provide it as a payment method
- Consumer received on the spot offer to “drop” purchase from card and convert to monthly installments or use of a pre-defined virtual card
- Payment made to card and new loan booked by Bank
- Merchant receives higher shopping cart conversion
Investors/FIs
- SpendNDrop to create a crowdfunding market place where small and big investors are able to invest in receivables
- Loan portfolios can be securitized as investments with monthly cash flows
- Small investors are able to participate in the value chain
- FIs protect their balances and fee income
Differentiation – Monetization Opportunity AI
A Platform for Underserved and Financial
Illustrative representation of Digital Capabilities
