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How Hepsifinans Transformed E-Commerce Payments and Accelerated Customer Financing with Real-Time BNPL Solutions
Hepsiburada aimed to enhance its customer financing capabilities by addressing the limitations of traditional e-commerce payment models, such as delayed credit approvals, rigid installment plans, and disconnected user experiences.
In collaboration with GTech, Hepsifinans launched a real-time BNPL (Buy Now, Pay Later) solution designed to deliver instant, flexible credit options seamlessly integrated into the Hepsiburada platform. By combining dynamic product design, end-to-end integration, and robust API architecture, the solution enabled customers to quickly discover their credit limits, complete their purchases, and access personalized financial services all within a single, frictionless journey.
Measurable Impact: Redefining Digital Lending in E-Commerce
Hepsifinans’s transformation wasn’t just a product launch it redefined how digital financing can empower e-commerce platforms to grow faster, serve better, and operate smarter.
Here’s what real-time, data-driven lending delivers:
4M+
Applications processed in the first year
134%
Increase in application volume between the first and second half of the year
102%
Growth in credit utilization, boosting customer engagement and conversion
Challenge
Traditional e-commerce credit systems lacked the speed, flexibility, and integration needed to support seamless digital shopping experiences. Customers often faced delays in credit approvals, rigid installment structures, and a lack of transparency in financing options causing drop-offs during checkout and reduced customer satisfaction.
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Slow and fragmented credit approval processes limited real-time customer engagement and conversions.
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Rigid financing options failed to meet diverse customer needs across a broad online retail ecosystem.
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The absence of real-time monitoring and analytics restricted operational agility and strategic insight.
- Manual integrations and legacy infrastructure increased operational costs and time-to-market for financial products.
Solution
To overcome these challenges, Hepsifinans and GTech collaborated to design and deploy a real-time BNPL solution built on a flexible, API-driven architecture and integrated directly into the Hepsiburada ecosystem.
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Developed a real-time lending engine that delivers instant credit limit discovery and approval at checkout.
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Built a robust, parametric API infrastructure to streamline integration and accelerate time-to-market.
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Enabled flexible payment plan options tailored to individual customer profiles and needs.
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Integrated real-time monitoring and analytics tools to ensure transparency, compliance, and performance tracking.
Turning Data into Real-World Results
Hepsifinans transformed e-commerce payments with a real-time BNPL solution powered by GTech, delivering faster credit approvals, flexible financing options, and a seamless end-to-end customer experience within Hepsiburada’s ecosystem.
Real-Time Credit Decisions
Customers received instant credit limit assessments and approvals at the point of purchase minimizing friction and boosting conversion.
Flexible Payment Options
Tailored installment plans matched to individual customer profiles improved accessibility and satisfaction.
API-Driven Architecture
A robust and scalable infrastructure enabled seamless integration and faster product rollouts.
Operational Efficiency & Scalability
End-to-end automation reduced manual processes, increased speed, and ensured regulatory compliance.
Transparent Analytics & Monitoring
Real-time reporting tools supported informed decision-making and operational control.
Significant Business Impact
Over 4 million applications processed in the first year, with a 134% increase in volume and 102% rise in credit utilization driving growth and customer engagement at scale.