Buy Now Pay Later on the Temenos Banking Cloud
Driven by Explainable AI, our Buy Now, Pay Later solution is delivered as a service for banks and non-banks, to help businesses increase and accelerate their sales cycle by embedding variable instalment loans at the point of sale.

Buy Now, Pay Later – accelerated
A Temenos Banking Cloud Service for banks and banking service providers, to help merchants accelerate and increase consumer purchases. Drive Banking-as-a-Service revenue through new consumer business and gain deeper data insights to support customer loyalty to sell additional services.

The Temenos Buy Now Pay Later service is a banking service on the Temenos Banking Cloud. Elastically scalable, the solution provides credit processing capabilities and an Explainable AI (XAI) driven credit decision engine to power origination processes and provide immediate recommendations about credit provision. This, on-the-spot decisioning is vital for the success of your BNPL solution, ensuring a frictionless experience for the customer, and reduced credit risk. An intuitive API and low-code extensibility allows the BNPL service to be seamlessly integrated with merchant point of sale systems.

or any part, of the journey.
Measurable success
15%
faster time-to-market for new products – retail banks with Temenos Product Builder*
65%
fewer non-performing loans – banks with Temenos Analytics*
53%
fewer write-offs – banks with Temenos Analytics*
22M
leading payment provider scaled with Temenos Buy Now, Pay Later across millions of accounts in 9 months.
*Comparison from Temenos CEO Navigator between banks live with Temenos capabilities and those who are not
Find out more
about Buy Now, Pay Later with Temenos.
“Now, due to the straight-through-processing and integration capabilities of the Temenos platform, a customer can submit their application online and open an account within minutes.”
Mark Sawyer
General Manager, My Life My Finance

“Temenos offered the ideal combination for reliability, scalability and affordability. What’s more, Temenos offered exceptional integration with the third-party solutions we needed to build a secure service. Running the platform in the cloud is also perfect as we do not have to worry about managing infrastructure, which helps to limit our IT costs.”
Guillermo Gomez del Campo
CEO, Prestanomico
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Powering responsible lending
Leverage XAI to speed up underwriting, maximize financial well-being, ensure affordability and power more ethical lending practices.

Scale operations for business growth
Delivering the BNPL service via the Temenos Banking Cloud reduces the fixed costs of operations and allows BNPL providers to elastically scale as needed and on-demand. It also enables additional banking services to be embedded as part of Banking-as-a-Service propositions.

Modern retail banking
Innovate front-to-back with agility and speed using the latest cloud and API technology with our retail banking functionality.