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Case Study

Tier-1 US Bank

A U.S. bank with $227B in total assets needed to significantly speed up and scale merchant onboarding to their consumer financing program. Using Jifiti’s white-label lending platform, they reduced time to market and scaled onboarding with minimal overheads.

Customer

Use Case

Region

Tier-1 Bank
Point-of-Sale Financing: Consumer
U.S.

Results

>60% reduction in time to market
100’s/month in merchant onboarding capacity
$0 dedicated IT overhead per new merchant

The Challenge

What problem did the client need to solve?

The bank was losing loan volume and customers to fintechs at the point of need. Borrowers initiated financing through third-party providers at checkout, diverting relationships away from the bank and eroding customer lifetime value. According to McKinsey, banks are losing ground to fintechs on both customer trust and satisfaction indices. Research confirmed strong market appetite for installment-based financing at checkout – yet the bank had no scalable infrastructure to meet it.

The bank achieved fintech-level agility within a tier-1 banking framework — delivering responsible, transparent financing options that consumers demand, at the speed and scale the market requires.

Tier-1 U.S. Bank

The Solution

How did the client solve the problem with Jifiti's platform?

The bank partnered with Jifiti to deploy a white-labeled, modular POS lending solution that preserved full bank identity and control while eliminating the per-merchant integration complexity that had constrained growth.

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