Empower your customers
Buy Now, Pay Later
Buy Now, Pay Later (BNPL) has challenged traditional point-of-sale financing business models such as credit cards. It has turned into a growth engine for fintechs and other players including incumbent banks, lenders and retailers.
BNPL is explosive, projected to reach €3.5 trillion globally by 2030. Deliver digital dexterity and wow your customers with a tailored BNPL offering from Mambu.
Mambu’s BNPL customers thrive
Mambu’s unique composable approach, combined with our cloud core banking platform, dynamic lending engine, and best-for-purpose partner ecosystem, enables any organisation to innovate and build a BNPL offering. Our cloud core banking platform can help you deliver distinctive experiences and wow your customers.
- 0%
Average year-on-year revenue growth vs like-for-like peers
- 0%
Average year-on-year loan growth vs like-for-like peers
- 0%
Average year-on-year loan portfolio growth vs like-for-like peers
*Full portfolio results, may or may not be solely attributed to BNPL
Build the perfect solution
Open up possibilities with Mambu
Discover Mambu’s key BNPL product capabilities powered by composability, flexibility and speed.
Product set-up
- Define product type: revolving credit, fixed or dynamic term loan
- Set-up interest rates and configure fees
- Link to deposit account for settlement
- Capture additional details using custom fields
Account creation
- Create a BNPL loan account
- Link deposit, down payment and fees
- Link transaction channels for flow of funds
- Link loan securities - guarantors and collateral assets
In-loan servicing
- Process loan repayment
- Reschedule loan
- Refinance loan
- Edit and customise repayment schedules and payment holiday
Introduce a seamless BNPL offering with the leading cloud core banking platform
Mambu is the first cloud-native, SaaS core banking software created with scale, agility and speed in mind. We enable any organisation to innovate and build a BNPL offering and to be in control of your customers' borrowing behaviour.
How to empower your business with BNPL
Customer stories
"By partnering with Mambu … financial services institutions like bob Finance can benefit from in-country, technology-enabled approaches to banking at cloud scale."
“We implemented Mambu from the start in a greenfield environment ... Many Tilta team members worked with Mambu in previous roles, so we knew the solution could improve our speed-to-market.”
“As an early development partner, we helped to evolve Mambu’s platform and received a rapid and agile development process that gave us the functionality needed to support our development requests.”
© Mambu 2026