Integrated Finance System
Turn credit into a natural payment method at the moment of purchase.
IFS lets customers pay with a bank loan without ever leaving the checkout flow. It orchestrates the whole chain, from basket data to credit offer through approval, disbursement and merchant settlement, and reports the result to every party in real time.
More completed sales
Reduces basket abandonment and lifts conversion on high-value purchases.
Uninterrupted experience
Fast, simple and transparent credit use during checkout. No separate application journey.
Secure and compliant
Operates in line with banking regulations and meets high security standards.
Straightforward integration
Standard APIs connect quickly to both core banking and e-commerce infrastructures.
How it works
Shopping
The customer selects a product and chooses “Pay with bank credit” at checkout.
Data exchange
The e-commerce site sends customer and basket data to IFS over a secure API.
Orchestration
IFS orchestrates the transaction, standardises the data and passes it to core banking.
Assessment
Core banking runs eligibility checks, limits, the credit offer, approval and disbursement.
Payment and confirmation
After disbursement the payment completes and the result returns to the e-commerce site.
Order completed
The order is confirmed, the merchant is paid and the process closes.
Core banking integration
IFS integrates with your existing core banking system through an API layer.
- Customer data
- Credit policies
- Limits and scoring
- Disbursement
- Collection and repayment
Who it is for
- Retail banksBasket conversion across a broad retail customer base
- Participation banksA flow aligned with interest-free financing models
- Digital banksFully digital disbursement in a branchless model
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ViewLet's talk about the next project.
Tell us what your institution needs, and we will work out together which product creates value and how quickly.