The postponed payment sector is undergoing a rapid transformation, driven by changes in consumer behavior and significant technological advancements. To stand out in this competitive market by 2025, providers of point-of-sale payment solutions, both physical and online, must focus on five essential keys. These keys will not only define leadership in the sector but also determine the ability of companies to adapt and thrive in a constantly evolving landscape.
## 1. Hyperpersonalization and Omnichannel Solutions in Financing
Hyperpersonalization in financing is crucial to boost sales and profitability for retailers. Each point of sale has unique characteristics that must be reflected in its financing options. A personalized offer not only meets the specific needs of the client but also adjusts decision models to the particularities of each trade, optimizing approval rates. Businesses that integrate postponement payment solutions highly value omnichannel capabilities, seeking platforms that are both omnichannel and omniproduct. This allows them to manage their entire financing offer from a single place for all their channels, whether physical or online, facilitating more efficient and coherent management of payment options, improving customer experience, and increasing sales opportunities.
Pepper stands out in this area by offering a product developed specifically to adapt to the characteristics of each business. Its personalized and omnichannel approach not only facilitates an increase in sales but also improves customer experience, providing financing adapted to the specific needs of each vertical, channel, and point of sale.
## 2. Artificial Intelligence as a Decision Model
Artificial intelligence (AI) has become a powerful accelerator in transforming financed purchasing solutions. Its ability to enrich data models has revolutionized instant credit decision-making, improving both the consumer’s experience and that of the trade offering financing to its customers, whether from an e-commerce platform or a physical store. In Pepper, the implementation of advanced AI models began in 2019, applying them to various areas of the business. These models have not only optimized processes but also perfected decision-making, resulting in higher approval and conversion rates for shops. This benefits both businesses and consumers, facilitating access to flexible postponement options adapted to the capabilities of each client.
AI allows for the analysis of large volumes of data in real-time, identifying patterns and trends that were previously difficult to detect. This not only improves precision in risk assessment but also customizes financing offers, making each proposal more relevant and attractive to the client.
## 3. Technological Innovation
Technological innovation is essential to survive and prosper in a sector where customer loyalty and fidelity are increasingly difficult to maintain in the medium and long term. Demonstrating that your financing solutions at the point of sale are the best is essential to gaining the confidence of shops and consumers. For shops, technology means more agile and simple processes: with hardly any documentation, real-time approvals, and instant financing. For customers, it implies a superior purchase experience in a completely digital environment, where speed and efficiency are key to optimal satisfaction.
In Pepper, innovation is part of its DNA, being key to its evolution and the best guarantee of the future. Innovating is not just about creating new solutions but also about reaching a high technical and analytical level. This is achieved by investing in talent, technology, and a deep capacity for data modeling, which allows for the development of advanced solutions that respond to the changing needs of the market.
## 4. Focus on Customer Experience
Customer satisfaction, both when buying and financing, is key to loyalty and improving the profitability of physical and online shops. Each type of purchase requires personalized processes and offers that help the customer make better payment decisions and provide a highly satisfactory experience. A satisfied customer will not only return but will also recommend the store to others, guiding and supporting the client in their payment choice not only guarantees a positive experience but also reinforces loyalty.
With this approach, Pepper has developed Pepper Clients, an innovative app that transforms the experience of its nearly two million users while allowing them to hire 100% digital loans in an agile and simple way.
## 5. Sustainable Financing
Offering postponed payment options requires acting responsibly. In Pepper, each financing analysis is carried out thoroughly to comply with two basic principles: to ensure that solvent consumers have access to flexible financing that fits their ability to pay and ensure that the cost is marginal or reasonable. Currently, more than 90% of purchases financed with Pepper do not include interest, facilitating access to products in comfortable, personalized installments. The application of excessive monthly commissions that could generate unfair costs for consumers with sufficient solvency is avoided. This approach promotes a healthy financial relationship between commerce and the client while contributing to a more sustainable and equitable economy.
Sustainable financing is not only a social responsibility but also an intelligent business strategy. By offering fair and transparent conditions, businesses can build a solid and reliable reputation, which in turn attracts more customers and encourages long-term loyalty.
In summary, success in the postponed payment sector in 2025 will depend on the ability to offer flexible, personalized, and sustainable solutions that drive growth in a competitive environment. Pepper’s case shows how these keys can transform financing into a tool for growth, offering personalized solutions, using AI, technologically innovating, prioritizing customer experience, and promoting sustainability, positioning themselves as leaders in the sector.