Retail + POS Lending
Say hello to real-time POS lending, and goodbye to abandoned carts.
Instant approvals
Get shoppers through checkout lines faster with automated credit decisions and personalized pricing.
Reduced risk
Easy data access and advanced machine learning capabilities let you better predict buyer risk.
Faster launches
Get new products to market faster. Use our no-code tools to build and launch on your timeline.
POS lending technology that powers retail financing.
As a point-of-sale lender, you know that two things matter: making the right decisions, and having the right tools to make them quickly. Whether you’re powering after-purchase payments, offering rent-to own-financing or providing retail financing for customers, buyers demand an extraordinary user experience — or they’ll walk away.
You need technology that supports one-click financing, and automation that powers approvals before a customer has time to walk away — and the data for retail credit risk management that also simplifies user experiences.
Benefits
Simple POS products as easy as one, two, checkout.
From in-store financing options to online payment choices at checkout, the Provenir AI-Powered Decisioning Platform lets you provide simple financing experiences that win new customers. Use advanced automation and predictive analytics to decision credit in real time.
Simplify applications
Want to make your application processes as simple as possible? Your answer is data. The Provenir Marketplace lets you integrate to new data sources in minutes. Explore alternative and traditional data options to improve decisioning accuracy.
React + adapt
Your risk technology should help you gain business agility. Provenir’s visual, no-code, drag-and-drop interface puts risk strategy innovation in your team’s hands. Gain the power to make rapid changes to risk models, decisioning processes and data integrations.
Predict risk
Eliminate recoding delays using Provenir’s model agnostic cloud suite. Upload predictive analytics models in R, SAS, Python, TensorFlow and more without recoding, easily testing and deploying using the visual user interface.
Instant decisioning
Convert buyers to borrowers with powerful automation workflows that turn data to decisions in under a second. Run applications through powerful predictive models, return personalized pricing options to customers and improve accuracy with machine learning capabilities.
Analyze performance
In a rapidly evolving market, you need to identify and quickly respond to new threats and opportunities. Our Business Intelligence solution lets you use the power of advanced data science capabilities to dive deeper into your data.
Drive innovation
Take control of innovation with the no-code, visual interface that lets your teams collaborate, iterate and get changes to market faster. Leverage autoscaling and support for multiple product lines to grow and evolve your business on your terms.
Our platform makes us unique. Our results make you stand out.
CEO, North America, Klarna
“Provenir has delivered a solution that increases our agility and responsiveness to clients. The implementation of Provenir’s software will contribute towards Klarna’s global market goals.”
VP of Dealer Services, GM Financial
“We have deep insight into every application and contract as we can instantly get real-time information whenever we need it.”
Managing Director, Novuna Capital
“The flexibility of Provenir allows us to create our own risk decisioning workflows that can easily connect with any data source.”
CEO, Dun & Bradstreet
“Provenir plays a vital role in navigating this balance between compliance and speed, because it gives us the ability to orchestrate all of our scoring and compliance processes very quickly.”
Credit Manager, Telia
“Provenir empowers the Telia Finance team to create and change credit offerings independently, process customer applications in seconds, and easily integrate to multiple data sources for better quality decisioning.”
Companies like you choose Provenir
Carbon
To support its ambitious growth plans to operate across Nigeria, Carbon needed a more flexible decision engine solution to manage their credit policies, scorecards, pricing and decisioning.
AskIf
One of the few female-led fintechs in the UK, AskIf is a business with a mission to deliver loans to small, credit-worthy businesses unable to secure funding from mainstream lenders, financing the £1.5bn+ annual gap that exists for SMEs in the UK.
Klarna
BNPL provider Klarna needed to replace legacy technology with real-time risk decisioning and business analytics designed to keep up with shopper demand. Provenir provided the framework to get there.
GM Financial
GM Financial wanted to bring new auto lending and leasing products to market more quickly, paving the road for smoother loan origination processes. Provenir was there to help.
Resources to dig a little deeper
Ten Fintechs Shaking Up Consumer Lending
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Ten Fintechs/Finservs Supporting Women – or Being Led by Them!
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Year in Review: Trends, Challenges and Opportunities in Fintech and Financial Services
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Our reach is global
Provenir operates around the world, providing you with the data, technology and support you need to power a global business. We’re your go-to partner, regardless of time zone.