EXTEND YOUR LENDING WITH
Wallets and cards that retain customers.
Add wallets and cards to your lending platform, capturing daily spending data that improves credit models whilst creating new revenue streams beyond loan margins.
In this article
Embedded lending platforms excel at originating loans through partner channels but struggle with customer retention once loans are repaid. Wallets and cards transform one-time borrowers into ongoing banking customers, creating continuous engagement beyond the lending lifecycle.
The challenge
- • Customer relationships end when loans are repaid, limiting lifetime value.
- • No ongoing engagement between lending products and repayment cycles.
- • Limited data beyond borrowing behaviour for improved underwriting.
- • Cannot capture everyday spending that indicates financial health changes.
- • Revenue concentrated in lending margins with no diversification.
Our solution
- • Branded wallets and cards (Apple Pay & Google Pay enabled) linked to existing lending accounts.
- • Seamless fund disbursement directly to customer wallets or bank accounts.
- • Automated loan repayments through wallet balance or card spending.
- • Spending controls aligned with borrowing capacity and repayment schedules
- • Real-time transaction data for enhanced credit decisioning
- • Complete digital banking features beyond lending products
Impact
Transform one-time borrowers into ongoing financial customers with continuous engagement. Capture daily spending data that improves credit models and reduces lending risk. Generate new revenue streams from card usage whilst building stickier customer relationships that extend far beyond loan lifecycles.
Why us
Our banking infrastructure extends your lending platform into comprehensive financial services without regulatory complexity. Purpose-built APIs integrate lending products with wallet and card functionality seamlessly. Rich transaction data flows back into your credit models whilst we handle banking compliance.
Focus on what you do best -lending decisions, whilst we power the financial products that keep customers engaged.
More use cases
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