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Lending & Multi-Finance
Offer credit-card-free installment payments, securely and in compliance.
Automated eligibility assessment
Risk detection from application
Configurable installments, interest, and fees
Buy Now Pay Later services are growing rapidly across Indonesia's financial industry, drawing strong demand from both e-commerce and physical retail customers. This growth has also brought rising credit risk, prompting OJK to issue a dedicated regulation on BNPL implementation that requires providers to conduct more rigorous affordability assessments before approving financing.
HBM's Buy Now Pay Later solution helps banks and financing companies offer a competitive installment service without sacrificing credit quality. With automated credit evaluation, fraud detection, and flexible installment schemes, financial institutions can compete with fintech BNPL players while keeping their risk portfolio healthy and aligned with OJK's dedicated BNPL regulation.
Assesses prospective customers' eligibility and repayment capacity before BNPL financing is approved.
Detects potential misuse and default risk from the application stage.
Schedule a live demo or discuss your specific integration needs with the HBM team.
Works online and in physical stores
Supports both short-term split payments and longer-term installment loans.
Configures transaction fees, interest, late fees, and rescheduling fees.
Allows existing debit/credit card transactions to be converted into installment plans.
Serves BNPL transactions across both online and physical merchant channels.
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