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ZOOD Tech is the BNPL As-A-Service Hub of Mastercard that provides an end-to-end BNPL technology solution, allowing banks, fintechs and retailers to launch their own BNPL platforms with ease and speed.
ZOOD Tech: BNPL As-A-Service Platform
Digital Onboarding
Seamless digital onboarding featuring KYC & AML checks with proactive fraud prevention ensuring compliance.
Loan Management
Complete loan lifecycle management from loan origination to recovery ensuring efficiency & scale.
Credit Scoring Engine
Delivering real-time credit decisions powered by multi-model transactional & behavioral risk scorecards.
Product Configuration & Design
Tailored BNPL solutions to fit institutional requirements, for product, channel or customer types.
Application White-labeling
Launch white-labeled Android or iOS application with complete BNPL infrastructure and functionalities.
BNPL Card Issuance & Processing
End-to-end BNPL card issuance & processing through Mastercard PTS, enabling scale & adoption.
BNPL IN-A-BOX
With a focus to acquire more customers and drive credit adoption, BNPL presents itself as a remarkable opportunity to leverage acquisition and credit underwriting at scale through an end-to-end, plug & play white-label BNPL solution.
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Lender & Bin Sponsor
Responsible for balance sheet ownership & risk. Issuance of virtual card.
Network and Project Manager
Responsible for orchestrating all parties and enablement of instore BNPL
BNPL Tech & Ops Provider
Responsible for customer onboarding, credit scoring and loan management platform.
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Processor
responsible for card issuer processing via partnership of ZOOD with Mastercard PTS
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Merchant
responsible for accepting BNPL transactions coming through their channel
Key Benefits
Cost-Efficiency
Benefit from an economically efficient multi-channel distribution system which helps reduce operational costs.
Reduced CAC & increased Monetization
Acquire customers without heavy investment and open new avenues for revenue generation.
Robust Credit Assessment
With our proprietary risk management tools, minimize non-performing debt while ensuring sustainable, cost-conscious loan origination and financially sound lending operations.
Upsell & Cross-Sell Opportunities
Explore opportunities to cross-sell and up-sell other banking products to consumers and SMEs, including liability-side and bank assurance products.
Compliance with Local Regulations
Keeping up with varying local regulations can be daunting. Our platform is tailored to ensure compliance, so the bank maintains a strong standing with regulatory bodies.
Enhanced Customer Stickiness & Scalability
Deliver a seamless user experience via a fully digital and integrated platform, enabling the bank to retain customers and scale efficiently.