The Goldilocks Approach: How to Offer Consumer Financing that's 'Just Right'

organized on 7 May 2024 | 15:00 CET

Join Ikano Bank, Dr. Smile, and Jifiti, as they share how leading banks and merchants are cultivating ‘happily-ever-after,’ mutually beneficial relationships through customised POS financing programmes.Once upon a time, merchants (and their customers) were happy with one-size-fits-all BNPL options like pay-in-3.

Those days are gone.

Just like the Three Bears, different merchants have different requirements and preferences for their point-of-sale financing programmes.

Some need to offer long-term loans, while others need short-term. Some need to offer a local loan programme for each EU country in which they operate. And some need to offer both B2B and B2C financing. There’s a multitude of variations.

Banks and lenders that want to attract new merchants and build long-term customer relationships need to offer loan programmes tailored to each merchant’s needs, products, EU market and use case.

Getting this fit ‘just right’ requires complex technology, many variables and third-party data sources.



  • What ingredients go into creating customised financing programmes: products, repayment schedules, credit profiles and more
  • Real-World Success Stories: Hear from industry leaders about real-world applications, success stories and challenges overcome
  • Innovative Partnership Models: discover how banks and lenders are easily scaling their customer financing programmes utilising pre-existing merchant integrations
  • The Perfect Threesome: successfully balancing bank, merchant and customer needs to nurture long-term relationships
  • Regulatory Landscape: ensuring responsible lending and compliance while maximising flexibility and accessibility
Keywords: BNPL, lending
Categories: Banking & Fintech
Companies: Dr. Smile, Ikano Bank, Jifiti
Countries: World
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Dr. Smile


Ikano Bank



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